| 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 | $37 | $90K | 8.70% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 SOUTH GARLAND AVENUE. SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY LLC | 3050 PEACHTREE ROAD NW ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68K | $36K | $103K | 11.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $16K | $16K | 1.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $8K | $11K | 1.24% |
| WATCHTOWER BENEFITS, LLC4 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET, 3RD FLOOR CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $502 | $502 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | NGL | $15K | — | $15K | 10.00% |
| MARIE V. ARMSTRONG & OTHER AGENTS3 | 211 BUFORD PLACE MACON, GA 31204 | AFLAC | $2K | $57 | $2K | 3.34% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 4116 ARKWRIGHT ROAD, SUITE 2 MACON, GA 31210 | AFLAC | $2K | $271 | $2K | 3.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 1200 ABERNATHY ROAD, SUITE 900 ATLANTA, GA 30328 | AFLAC | $2K | $111 | $2K | 2.87% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $1K | $0 | $1K | 1.77% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $830 | $6 | $836 | 1.22% |
| JASON B WEST3 Filed as: JASON B. WEST | 1701 BASS ROAD, SUITE 200 MACON, GA 31210 | AFLAC | $767 | $0 | $767 | 1.12% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY, SUITE 700 ATLANTA, GA 30328 | AFLAC | $680 | $0 | $680 | 0.99% |
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 | 1,788 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,798 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,092 | $1.0M |
| Vision | NGL | 2,761 | $149K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,788 | $915K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,788 | $915K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,788 | $915K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,788 | $983K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,092 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.