| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1825 BARRETT LAKES BLVD. SUITE 320 KENNESAW, GA 30144 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $176K | — | $176K | 5.75% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 1825 BARRETT LAKES BLVD. SUITE 320 KENNESAW, GA 30144 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.22% |
| MCGRIFF INSURANCE SERVICES INC3 | 541 NORTH MAIN STREET SUITE 100 MOUNT AIRY, NC 27030 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $17K | $1K | $18K | 9.74% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $9K | $683 | $10K | 5.18% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $7K | $338 | $8K | 4.25% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $7K | $338 | $7K | 3.75% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AA 36561 | AFLAC | $6K | $599 | $7K | 3.58% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT. STE 130 ROSEVILLE, CA 95661 | AFLAC | $4K | $338 | $4K | 2.18% |
| KYLEE JOHNSON3 | 64 BAY BRANCH BLVD. FAYETTEVILLE, GA 30214 | AFLAC | $917 | $20 | $937 | 0.51% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $588 | $24 | $612 | 0.33% |
| MICAH S CASEY3 | 500 LANIER AVE W STE 912A FAYETTEVILLE, GA 30214 | AFLAC | $325 | $77 | $402 | 0.22% |
| CHRISTOPHER A TUGGLE3 | 1040 HOUNDS EAR RD. GREENSBORO, GA 30642 | AFLAC | $308 | — | $308 | 0.17% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD. STE 240 JONESBORO, GA 30236 | AFLAC | $239 | — | $239 | 0.13% |
| BONNIE BISHOP3 | 426 MOORE RD. NEWNAN, GA 30263 | AFLAC | $145 | — | $145 | 0.08% |
| BARRY T FISHER3 | 9662 SPRINGMEADOW DR NEW PORT RICHEY, GA 34655 | AFLAC | $109 | — | $109 | 0.06% |
| JORDAN R VALIMONT BOBO3 | PO BOX 63 EXPERIMENT, GA 30212 | AFLAC | $104 | — | $104 | 0.06% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $80 | — | $80 | 0.04% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $64 | — | $64 | 0.03% |
| JONATHAN W MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $49 | — | $49 | 0.03% |
| DIANNA L HEATLY3 | 122 WHITESTONE DR MCDONOUGH, GA 30253 | AFLAC | $33 | — | $33 | 0.02% |
| TULL COOPER WIGLEY3 | 2186 LUSITANO ST. DANVILLE, CA 94506 | AFLAC | $31 | — | $31 | 0.02% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $19 | — | $19 | 0.01% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM AARON DEES | P. O. BOX 708 WINONA, MS 38967 | AFLAC | $18 | — | $18 | 0.01% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY RD. BESSEMER, AL 35022 | AFLAC | $18 | — | $18 | 0.01% |
| AMY A O SHIELDS3 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $15 | — | $15 | 0.01% |
| MARTHA J BRYAN3 | 2930 BOMAR RD DOUGLASVILLE, GA 30135 | AFLAC | $14 | — | $14 | 0.01% |
| TERESA REED3 | 1417 TRAILWOOD DR STE E GREENVILLE, MS 38701 | AFLAC | $14 | — | $14 | 0.01% |
| KATHY L MULLINS3 Filed as: KATHY L. MULLINS | 301 TWIGGS COR PEACHTREE CITY, GA 30269 | AFLAC | $13 | — | $13 | 0.01% |
| CAROL DENISE VANBIBBER3 | 560 LOGGER HEAD LN. MANY, LA 71449 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID W WOODS3 | 432 GRAYSPORT RD WINONA, MS 38967 | AFLAC | $12 | — | $12 | 0.01% |
| DAKOTA SCOTT ST. JOHN3 | 1033 FAIRVIEW RD. BROOKS, GA 30205 | AFLAC | $12 | — | $12 | 0.01% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $10 | — | $10 | 0.01% |
| MATTHEW REED3 Filed as: MATTHEW D. REED | 1357 PINEY RD. CROSBY, MS 39633 | AFLAC | $10 | — | $10 | 0.01% |
| RONALD S SANDERS3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $7 | — | $7 | 0.00% |
| CLAYTON H BENNETT3 | 2950 ASCOT LN ROSWELL, GA 30076 | AFLAC | $6 | — | $6 | 0.00% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $4 | — | $4 | 0.00% |
| RICHARD SMITHSON3 Filed as: RICHARD A. SMITHSON | 410 BAROQUE DR. ALPHARETTA, GA 30009 | AFLAC | $4 | — | $4 | 0.00% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 410 BAROQUE DR. ALPHARETTA, GA 30009 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFREY M SINTAY3 Filed as: JEFFREY M. SINTAY | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $3 | — | $3 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 745 W. BROMPTON AVE. APT 1 CHICAGO, IL 60657 | AFLAC | $2 | — | $2 | 0.00% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $2 | — | $2 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR. MONROE, GA 30655 | AFLAC | $2 | — | $2 | 0.00% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $2 | — | $2 | 0.00% |
| DORIS L BRACKETT3 Filed as: DORIS L. BRACKETT | 3233 HIGHGATE CHASE CT. BERKELEY LAKE, GA 30092 | AFLAC | $2 | — | $2 | 0.00% |
| MATTHEW REED3 Filed as: MATTHEW D. REED | 1417 TRAILWOOD DR. STE E GREENVILLE, MS 38701 | AFLAC | $2 | — | $2 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 734004 CHICAGO, IL 60673 | AFLAC | $2 | — | $2 | 0.00% |
| ROBERT HESLEP3 | 6680 RIVER ISLAND CIR BUFORD, GA 30518 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| ELENI A NIKOLAS3 Filed as: ELENI A. NIKOLAS | 3869 WINTERGREEN CT. MARIETTA, GA 30062 | AFLAC | $1 | — | $1 | 0.00% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $5K | $220 | $5K | 10.48% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $3K | $110 | $3K | 6.22% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $3K | $130 | $3K | 5.82% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $3K | $110 | $3K | 5.36% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT. STE 130 ROSEVILLE, CA 95661 | AFLAC | $2K | $110 | $2K | 4.03% |
| MICAH S CASEY3 | 500 LANIER AVE W STE 912A FAYETTEVILLE, GA 30214 | AFLAC | $932 | $90 | $1K | 2.01% |
| KYLEE JOHNSON3 | 64 BAY BRANCH BLVD. FAYETTEVILLE, GA 30214 | AFLAC | $780 | $28 | $808 | 1.59% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $466 | $32 | $498 | 0.98% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD. STE 240 JONESBORO, GA 30236 | AFLAC | $15 | — | $15 | 0.03% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $516 | — | $516 | 4.77% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $273 | — | $273 | 2.53% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $245 | — | $245 | 2.27% |
| DEBBIE ST JOHN3 Filed as: DEBBIE ST. JOHN | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $190 | — | $190 | 1.76% |
| CHRISTOPHER A TUGGLE3 | 1040 HOUNDS EAR RD. GREENSBORO, GA 30642 | AFLAC | $129 | — | $129 | 1.19% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $106 | — | $106 | 0.98% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT. STE. 130 ROSEVILLE, CA 95661 | AFLAC | $105 | — | $105 | 0.97% |
| KYLEE JOHNSON3 | 64 BAY BRANCH BLVD. FAYETTEVILLE, GA 30214 | AFLAC | $42 | — | $42 | 0.39% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $35 | — | $35 | 0.32% |
| BARRY T FISHER3 | 9662 SPRINGMEADOW DR NEW PORT RICHEY, FL 34655 | AFLAC | $9 | — | $9 | 0.08% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $7 | — | $7 | 0.06% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $4 | — | $4 | 0.04% |
| AMY A O SHIELDS3 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $3 | — | $3 | 0.03% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $3 | — | $3 | 0.03% |
| RONALD S SANDERS3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 0.02% |
| JONATHAN W MCCUTCHEON3 Filed as: JONATHAN W. MCCUTCHEON | 1150 MALLARD LAKE DR. BOGART, GA 30622 | AFLAC | $2 | — | $2 | 0.02% |
| AMITA PATEL3 | 1064 CEDARBROOK DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 443 | $3.1M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 544 | $187K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 544 | $187K |
| Life insurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 544 | $187K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 443 | $3.1M |
| Other(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 544 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.