| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 4777 SHARON RD, 4TH FLOOR CHARLOTTE, NC 28210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $115K | $5K | $120K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3625 N ELM STREET #200 GREENSBORO, NC 27455 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $70K | — | $70K | 2.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | 4777 SHARON RD, 4TH FLOOR CHARLOTTE, NC 28210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$597 | — | -$597 | -0.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE, SUITE 1800 GREENSBORO, NC 27409 | STARMOUNT LIFE INSURANCE COMPANY | $20K | $7K | $26K | 20.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | — | $11K | $11K | 8.73% |
| DEBBIE ST JOHN3 | 290 SIDNEY DR GRIFFIN, GA 30223 | AFLAC | $9K | $731 | $10K | 7.89% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $6K | $478 | $7K | 5.20% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $6K | $611 | $7K | 5.18% |
| DIANNE J RAY3 | 290 SIDNEY DR GRIFFIN, GA 31031 | AFLAC | $5K | $366 | $5K | 3.97% |
| AUSTIN J RICE3 | 201 SADDLEHORN TRL BALL GROUND, GA 30107 | AFLAC | $3K | $232 | $3K | 2.20% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $468 | — | $468 | 0.37% |
| ANGELICA SAMANIEGO3 | 792 N STEELE DR HAMPTON, GA 30228 | AFLAC | $154 | — | $154 | 0.12% |
| THOMAS J STEPHENSON3 Filed as: THOMAS STEPHENSON | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $57 | — | $57 | 0.05% |
| CHRISTOPHER A TUGGLE3 | 119 LAKEVIEW DR S IVEY, GA 31031 | AFLAC | $41 | — | $41 | 0.03% |
| DONNA N THOMAS3 | 71 MONTROSE LN SHARPSBURG, GA 30277 | AFLAC | $15 | — | $15 | 0.01% |
| MICAH S CASEY3 | 137 SCHOOL RD STE 912A HAMPTON, GA 30228 | AFLAC | $12 | — | $12 | 0.01% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $9 | — | $9 | 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 | $2 | — | $2 | 0.00% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD S SANDERS3 | 817 CYPRESS OAK CIR DELAND, FL 32720 | 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% |
| JONATHAN W MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $1 | — | $1 | 0.00% |
| DEBBIE ST JOHN3 | 290 SIDNEY DR GRIFFIN, GA 30223 | AFLAC | $4K | $153 | $4K | 7.69% |
| DONNA M JOHNSON3 | 27523 PARK DR. ORANGE BEACH, AL 36561 | AFLAC | $4K | $153 | $4K | 7.47% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $3K | $73 | $3K | 5.50% |
| DIANNE J RAY3 | 290 SIDNEY DR GRIFFIN, GA 30223 | AFLAC | $2K | $76 | $2K | 3.64% |
| AUSTIN J RICE3 | 201 SADDLEHORN TRL BALL GROUND, GA 30107 | AFLAC | $1K | $73 | $1K | 2.77% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | AFLAC | $153 | — | $153 | 0.31% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 STE 130 ROSEVILLE, CA 95661 | AFLAC | $80 | — | $80 | 0.16% |
| MICAH S CASEY3 | 137 SCHOOL RD HAMPTON, GA 30228 | AFLAC | $70 | — | $70 | 0.14% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 1299 BATTLECREEK RD STE 240 JONESBORO, GA 30236 | AFLAC | $13 | — | $13 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $769 | $3K | 20.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 9.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $763 | $3K | 20.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 9.00% |
| DIANNE J RAY3 | 290 SIDNEY DR GRIFFIN, GA 30223 | AFLAC | $436 | $11 | $447 | 4.96% |
| DONNA M JOHNSON3 | 27523 PARK DR. LOT B ORANGE BEACH, AL 36561 | AFLAC | $284 | $21 | $305 | 3.38% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $240 | $9 | $249 | 2.76% |
| DEBBIE ST JOHN3 Filed as: DEBBIE ST. JOHN | 290 SIDNEY DR GRIFFIN, GA 30223 | AFLAC | $153 | $21 | $174 | 1.93% |
| CHRISTOPHER A TUGGLE3 | 119 LAKEVIEW DR S IVEY, GA 31031 | AFLAC | $61 | — | $61 | 0.68% |
| AUSTIN J RICE3 | 201 SADDLEHORN TRL BALL GROUND, GA 30107 | AFLAC | $52 | $9 | $61 | 0.68% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $55 | — | $55 | 0.61% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $24 | — | $24 | 0.27% |
| 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 | $4 | — | $4 | 0.04% |
| 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 | 328 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 359 | $2.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 248 | $131K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 248 | $131K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $31K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 359 | $2.9M |
| Other(5 contracts, 2 carriers) | AFLAC | 365 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.