| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE ATLANTA, GA 30328 | AETNA HEALTH INC. | $0 | $11K | $11K | 0.97% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE ATLANTA, GA 30328 | AETNA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 2.05% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.92% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $6K | $29K | 12.74% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $565 | $12K | 5.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 13.91% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $69 | $1K | 4.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $2K | $361 | $2K | 11.62% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM INSURANCE COMPANY | $990 | $49 | $1K | 5.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $2K | $423 | $3K | 21.14% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM INSURANCE COMPANY | $214 | $16 | $230 | 1.77% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $1K | $334 | $1K | 12.06% |
| RSC INSURANCE BROKERAGE INC3 | ONE BELMONT AVE STE 500 BALA CYNWYD, PA 19004 | UNUM INSURANCE COMPANY | $105 | $14 | $119 | 1.00% |
| ATEAM CONSULTANTS, LLC4 Filed as: ATEAM COUNSULTANTS LLC | 723 OAK MOUNTAIN ROAD, NW KENNESAW, GA 30152 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 13.31% |
| CLEMENT, INC.4 | 2539 JOHN HAWKINS PARKWAY BIRMINGHAM, AL 35244 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $199 | $0 | $199 | 2.33% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 394 | $2.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 394 | $986K |
| Vision | AETNA LIFE INSURANCE COMPANY | 394 | $986K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $227K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $227K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $227K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC. | 394 | $2.1M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 229 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.