| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $1K | $92K | 8.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $3K | $36K | 3.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62639 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | $0 | $57K | 5.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW ATLANTA, GA 30305 | NGL | $10K | $0 | $10K | 6.71% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | NGL | $4K | $0 | $4K | 2.46% |
| MJ INSURANCE3 Filed as: CANDACE JACKSON AND VARIOUS AGENTS | 932 JOHN CARTER ROAD BLOOMINGDALE, GA 31302 | AFLAC | $2K | $0 | $2K | 2.47% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 4116 ARKWRIGHT ROAD, SUITE 2 MACON, GA 31210 | AFLAC | $2K | $14 | $2K | 2.20% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $2K | $0 | $2K | 1.85% |
| LORRI STEMBRIDGE LLC3 Filed as: LORRI STEMBRIDGE, LLC | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $1K | $0 | $1K | 1.44% |
| JASON B WEST3 Filed as: JASON B. WEST | 1701 BASS ROAD, SUITE 200 MACON, GA 31210 | AFLAC | $1K | $3 | $1K | 1.31% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY, SUITE 700 ATLANTA, GA 30328 | AFLAC | $932 | $0 | $932 | 1.12% |
| SUSAN A SITZ3 Filed as: SUSAN A. SITZ | 50 AVIATOR PLAZA, SUITE 105C SAINT SIMONS ISLAND, GA 31522 | AFLAC | $586 | $3 | $589 | 0.71% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,871 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,174 | $1.0M |
| Vision | NGL | 2,853 | $152K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,871 | $975K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,871 | $975K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,871 | $975K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,871 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,174 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.