| 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 | $221K | — | $221K | 7.41% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $10K | $62 | $10K | 8.22% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AA 36561 | AFLAC | $9K | $62 | $9K | 7.08% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $8K | $30 | $8K | 6.30% |
| DIANNE J RAY3 | 290 SIDNEY DR GRIFFIN, GA 31031 | AFLAC | $6K | $31 | $6K | 4.72% |
| AUSTIN J RICE3 | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $2K | $30 | $2K | 1.80% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $543 | — | $543 | 0.43% |
| THOMAS J STEPHENSON3 Filed as: THOMAS STEPHENSON | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $185 | — | $185 | 0.15% |
| KASSIE SINCLAIR JOHNSON3 | 1276 CHANNEL PARKS SW MARIETTA, GA 30069 | AFLAC | $85 | — | $85 | 0.07% |
| CHRISTOPHER A TUGGLE3 | 119 LAKEVIEW DR S IVEY, GA 31031 | AFLAC | $64 | — | $64 | 0.05% |
| MICAH S CASEY3 | 137 SCHOOL RD STE 912A HAMPTON, GA 30228 | AFLAC | $43 | — | $43 | 0.03% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD. STE 240 JONESBORO, GA 30236 | AFLAC | $25 | — | $25 | 0.02% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $11 | — | $11 | 0.01% |
| AMY A O SHIELDS3 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $4 | — | $4 | 0.00% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $3 | — | $3 | 0.00% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $2 | — | $2 | 0.00% |
| JONATHAN W MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD S SANDERS3 | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 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% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $3K | — | $3K | 7.29% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $3K | — | $3K | 6.91% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $2K | — | $2K | 5.18% |
| DIANNE J RAY3 | 290 SIDNEY DR GRIFFIN, GA 30223 | AFLAC | $1K | — | $1K | 3.13% |
| AUSTIN J RICE3 | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $885 | — | $885 | 1.98% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $299 | — | $299 | 0.67% |
| MICAH S CASEY3 | 137 SCHOOL RD HAMPTON, GA 30228 | AFLAC | $128 | — | $128 | 0.29% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 STE 130 ROSEVILLE, CA 95661 | AFLAC | $121 | — | $121 | 0.27% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD STE 240 JONESBORO, GA 30236 | AFLAC | $29 | — | $29 | 0.06% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $4K | $326 | $4K | 11.04% |
| DIANNE J RAY3 | 290 SIDNEY DR GRIFFIN, GA 30223 | AFLAC | $435 | — | $435 | 4.85% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $235 | — | $235 | 2.62% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $205 | — | $205 | 2.29% |
| DEBBIE ST JOHN3 Filed as: DEBBIE ST. JOHN | 44 MAGNOLIA PKWY HAMPTON, GA 30228 | AFLAC | $83 | — | $83 | 0.93% |
| CHRISTOPHER A TUGGLE3 | 119 LAKEVIEW DR S IVEY, GA 31031 | AFLAC | $66 | — | $66 | 0.74% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD STE. 180 ROSEVILLE, CA 95661 | AFLAC | $56 | — | $56 | 0.62% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $26 | — | $26 | 0.29% |
| AUSTIN J RICE3 | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $23 | — | $23 | 0.26% |
| BARRY T FISHER3 | 9662 SPRINGMEADOW DR NEW PORT RICHEY, FL 34655 | AFLAC | $8 | — | $8 | 0.09% |
| DEBORAH B SMITH3 | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $5 | — | $5 | 0.06% |
| THOMAS ROBERT GIDDENS3 | 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 | $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 | 271 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 331 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 331 | $3.0M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 428 | $35K |
| Life insurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 428 | $35K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 331 | $3.0M |
| Other(4 contracts, 2 carriers) | AFLAC | 428 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.