| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL EMPLOYEE BENEFITS, LLC3 | 6400 POWERS FERRY ROAD, SUITE 230 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $14K | $192K | $205K | 2.16% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | AETNA LIFE INSURANCE COMPANY | $0 | $134 | $134 | 0.00% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 6400 POWERS FERRY ROAD, SUITE 230 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 6.09% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 0.78% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 210 INTERSTATE NORTH PARKWAY SOUTH ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.33% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 6400 POWERS FERRY ROAD, SUITE 230 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | $16K | $0 | $16K | 16.00% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $3K | $464 | $4K | 3.64% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 6400 POWERS FERRY ROAD, SUITE 230 ATLANTA, GA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $809 | $0 | $809 | 6.02% |
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 | 918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,788 | $9.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,788 | $9.5M |
| Vision | VISION SERVICE PLAN | 827 | $155K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 927 | $801K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 927 | $801K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 927 | $801K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,788 | $9.5M |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 978 | $924K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,788 | — |
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."
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.