| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $225K | — | $225K | 7.52% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 0.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 0.14% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $9K | $375 | $9K | 4.33% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $7K | $196 | $7K | 3.40% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $7K | $217 | $7K | 3.31% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AA 36561 | AFLAC | $6K | $210 | $6K | 3.02% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT. STE 130 ROSEVILLE, CA 95661 | AFLAC | $2K | $202 | $3K | 1.22% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD. STE 240 JONESBORO, GA 30236 | AFLAC | $974 | — | $974 | 0.47% |
| KYLEE JOHNSON3 | 64 BAY BRANCH BLVD. FAYETTEVILLE, GA 30214 | AFLAC | $454 | $107 | $561 | 0.27% |
| CHRISTOPHER A TUGGLE3 | 1040 HOUNDS EAR RD. GREENSBORO, GA 30642 | AFLAC | $385 | — | $385 | 0.19% |
| MICAH S CASEY3 | 137 SCHOOL RD STE 912A HAMPTON, GA 30228 | AFLAC | $321 | — | $321 | 0.15% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $279 | $4 | $283 | 0.14% |
| BARRY T FISHER3 | 9662 SPRINGMEADOW DR NEW PORT RICHEY, GA 34655 | AFLAC | $106 | — | $106 | 0.05% |
| BONNIE BISHOP3 | 426 MOORE RD. NEWNAN, GA 30263 | AFLAC | $103 | — | $103 | 0.05% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $102 | — | $102 | 0.05% |
| 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 | $59 | — | $59 | 0.03% |
| DIANNA L HEATLY3 | 122 WHITESTONE DR MCDONOUGH, GA 30253 | AFLAC | $39 | — | $39 | 0.02% |
| KATHY L MULLINS3 Filed as: KATHY L. MULLINS | 301 TWIGGS COR PEACHTREE CITY, GA 30269 | AFLAC | $37 | — | $37 | 0.02% |
| TULL COOPER WIGLEY3 | 2186 LUSITANO ST. DANVILLE, CA 94506 | AFLAC | $36 | — | $36 | 0.02% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $23 | — | $23 | 0.01% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY RD. BESSEMER, AL 35022 | AFLAC | $22 | — | $22 | 0.01% |
| JORDAN R VALIMONT BOBO3 | PO BOX 63 EXPERIMENT, GA 30212 | AFLAC | $19 | — | $19 | 0.01% |
| AMY A O SHIELDS3 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $16 | — | $16 | 0.01% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $15 | — | $15 | 0.01% |
| RICHARD SMITHSON3 Filed as: RICHARD A. SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $15 | — | $15 | 0.01% |
| JEFFREY M SINTAY3 Filed as: JEFFREY M. SINTAY | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $10 | — | $10 | 0.00% |
| RONALD S SANDERS3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $8 | — | $8 | 0.00% |
| CLAYTON H BENNETT3 | PO BOX 16355 PANAMA CITY, FL 30076 | AFLAC | $7 | — | $7 | 0.00% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM AARON DEES | P. O. BOX 708 WINONA, MS 38967 | AFLAC | $5 | — | $5 | 0.00% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $5 | — | $5 | 0.00% |
| TERESA REED3 | 1417 TRAILWOOD DR STE E GREENVILLE, MS 38701 | AFLAC | $4 | — | $4 | 0.00% |
| CAROL DENISE VANBIBBER3 | 560 LOGGER HEAD LN. MANY, LA 71449 | AFLAC | $4 | — | $4 | 0.00% |
| DAVID W WOODS3 | 432 GRAYSPORT RD WINONA, MS 38967 | AFLAC | $4 | — | $4 | 0.00% |
| MATTHEW REED3 Filed as: MATTHEW D. REED | 1357 PINEY RD. CROSBY, MS 39633 | AFLAC | $4 | — | $4 | 0.00% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $4 | — | $4 | 0.00% |
| MARTHA J BRYAN3 | 2930 BOMAR RD DOUGLASVILLE, GA 30135 | AFLAC | $3 | — | $3 | 0.00% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR. MONROE, GA 30655 | AFLAC | $3 | — | $3 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $2 | — | $2 | 0.00% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $2 | — | $2 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 745 W. BROMPTON AVE. APT 1 CHICAGO, IL 60657 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 5130 PARKWAY PLAZA BLVD CHARLOTTE, NC 28217 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $26K | $2K | $28K | 14.33% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $2K | — | $2K | 5.59% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $1K | — | $1K | 4.34% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $1K | — | $1K | 3.72% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $947 | — | $947 | 2.84% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT. STE 130 ROSEVILLE, CA 95661 | AFLAC | $559 | — | $559 | 1.67% |
| KYLEE JOHNSON3 | 64 BAY BRANCH BLVD. FAYETTEVILLE, GA 30214 | AFLAC | $276 | — | $276 | 0.83% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD STE 240 JONESBORO, GA 30236 | AFLAC | $268 | — | $268 | 0.80% |
| MICAH S CASEY3 | 137 SCHOOL RD HAMPTON, GA 30228 | AFLAC | $205 | — | $205 | 0.61% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $112 | — | $112 | 0.34% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $480 | — | $480 | 4.53% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $199 | — | $199 | 1.88% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $192 | — | $192 | 1.81% |
| CHRISTOPHER A TUGGLE3 | 1040 HOUNDS EAR RD. GREENSBORO, GA 30642 | AFLAC | $128 | — | $128 | 1.21% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT. STE. 130 ROSEVILLE, CA 95661 | AFLAC | $65 | — | $65 | 0.61% |
| DEBBIE ST JOHN3 Filed as: DEBBIE ST. JOHN | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $42 | — | $42 | 0.40% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $35 | — | $35 | 0.33% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $28 | — | $28 | 0.26% |
| BARRY T FISHER3 | 9662 SPRINGMEADOW DR NEW PORT RICHEY, FL 34655 | AFLAC | $8 | — | $8 | 0.08% |
| KYLEE JOHNSON3 | 64 BAY BRANCH BLVD. FAYETTEVILLE, GA 30214 | AFLAC | $7 | — | $7 | 0.07% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $7 | — | $7 | 0.07% |
| 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% |
| AMITA PATEL3 | 1064 CEDARBROOK DR COLUMBUS, GA 31904 | 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% |
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 | 337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 407 | $3.0M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 480 | $196K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 480 | $196K |
| Life insurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 480 | $196K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 407 | $3.0M |
| Other(4 contracts, 2 carriers) | AFLAC | 480 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.