| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $168K | — | $168K | 6.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 3400 OVERTON PARK DR, SE ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 0.20% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $4K | $84 | $4K | 3.79% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $3K | $49 | $4K | 3.22% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $3K | $42 | $3K | 3.20% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AA 36561 | AFLAC | $3K | $77 | $3K | 3.07% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $942 | — | $942 | 0.87% |
| MICAH S CASEY3 | 137 SCHOOL RD STE 912A HAMPTON, GA 30228 | AFLAC | $566 | $7 | $573 | 0.53% |
| CHRISTOPHER A TUGGLE3 | 1040 HOUNDS EAR RD. GREENSBORO, GA 30642 | AFLAC | $195 | — | $195 | 0.18% |
| KASSIE SINCLAIR JOHNSON3 Filed as: KASSIE JOHNSON | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $167 | — | $167 | 0.15% |
| THOMAS J STEPHENSON3 Filed as: THOMAS STEPHENSON | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $145 | — | $145 | 0.13% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD. STE 240 JONESBORO, GA 30236 | AFLAC | $56 | $25 | $81 | 0.07% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $50 | — | $50 | 0.05% |
| KYLEE JOHNSON3 | 64 BAY BRANCH BLVD. FAYETTEVILLE, GA 30214 | AFLAC | $36 | — | $36 | 0.03% |
| KATHY L MULLINS3 Filed as: KATHY L. MULLINS | 301 TWIGGS COR PEACHTREE CITY, GA 30269 | AFLAC | $26 | — | $26 | 0.02% |
| BARRY T FISHER3 | 9662 SPRINGMEADOW DR NEW PORT RICHEY, GA 34655 | AFLAC | $19 | — | $19 | 0.02% |
| JONATHAN W MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $13 | — | $13 | 0.01% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $11 | — | $11 | 0.01% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $8 | — | $8 | 0.01% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $8 | — | $8 | 0.01% |
| AMY A O SHIELDS3 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $6 | — | $6 | 0.01% |
| DIANNA L HEATLY3 | 122 WHITESTONE DR MCDONOUGH, GA 30253 | AFLAC | $5 | — | $5 | 0.00% |
| KAREN L BURGESS3 | 1968 EASTERN VALLEY RD. BESSEMER, AL 35022 | AFLAC | $4 | — | $4 | 0.00% |
| RONALD S SANDERS3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $3 | — | $3 | 0.00% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $2 | — | $2 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR. MONROE, GA 30655 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT J RUSSELL3 | 15275 LOBLOLLY CT NORTHPORT, AL 35475 | AFLAC | $1 | — | $1 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $1 | — | $1 | 0.00% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $6K | $378 | $6K | 14.21% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $804 | $26 | $830 | 3.85% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $784 | $45 | $829 | 3.85% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $453 | $38 | $491 | 2.28% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $407 | $23 | $430 | 2.00% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT. STE 130 ROSEVILLE, CA 95661 | AFLAC | $251 | — | $251 | 1.16% |
| MICAH S CASEY3 | 137 SCHOOL RD HAMPTON, GA 30228 | AFLAC | $225 | — | $225 | 1.04% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD STE 240 JONESBORO, GA 30236 | AFLAC | $48 | $26 | $74 | 0.34% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $27 | — | $27 | 0.13% |
| DIANNE J RAY3 | PO BOX 335 SUNNY SIDE, GA 30284 | AFLAC | $472 | — | $472 | 4.58% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $189 | — | $189 | 1.83% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $177 | — | $177 | 1.72% |
| CHRISTOPHER A TUGGLE3 | 1040 HOUNDS EAR RD. GREENSBORO, GA 30642 | AFLAC | $127 | — | $127 | 1.23% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT. STE. 130 ROSEVILLE, CA 95661 | AFLAC | $56 | — | $56 | 0.54% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $35 | — | $35 | 0.34% |
| DEBBIE ST JOHN3 Filed as: DEBBIE ST. JOHN | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $21 | — | $21 | 0.20% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $21 | — | $21 | 0.20% |
| BARRY T FISHER3 | 9662 SPRINGMEADOW DR NEW PORT RICHEY, FL 34655 | AFLAC | $8 | — | $8 | 0.08% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $7 | — | $7 | 0.07% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $4 | — | $4 | 0.04% |
| 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% |
| AMY A O SHIELDS3 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | 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 | 247 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 366 | $2.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 438 | $2.7M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 438 | $44K |
| Life insurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 438 | $44K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 366 | $2.6M |
| Other(4 contracts, 2 carriers) | AFLAC | 438 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.