| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE ATLANTA, GA 30328 | AETNA HEALTH INC. | $0 | $13K | $13K | 6.25% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE ATLANTA, GA 30328 | AETNA LIFE INSURANCE COMPANY | $6K | $11K | $17K | 8.13% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 18.85% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $1K | $305 | $2K | 16.47% |
| ALISTAIR EDWARDS4 | 723 OAK MOUNTAIN ROAD, NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $154 | $0 | $154 | 10.98% |
| CLEMENT, INC.4 | 2539 JOHN HAWKINS PARKWAY BIRMINGHAM, AL 35244 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $25 | $0 | $25 | 1.78% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 316 | $414K |
| Dental | AETNA LIFE INSURANCE COMPANY | 316 | $205K |
| Vision | AETNA LIFE INSURANCE COMPANY | 316 | $205K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $68K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $68K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC. | 316 | $414K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 175 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.