| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 20138 ATLANTA, GA 30325 | AETNA HEALTH, INC. | $33K | $0 | $33K | 5.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 20138 ATLANTA, GA 30325 | AETNA LIFE INSURANCE COMPANY | $5K | $148 | $6K | 3.98% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $6K | $19K | 17.86% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 28.38% |
| USI INSURANCE SERVICES LLC3 | 1100 EAST 6600 SOUTH, SUITE 280 SALT LAKE CITY, UT 84121 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 27.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY J. BROWN-OVERDYKE | 1226 DUNWOODY LANE, SUITE 250 BROOKHAVEN, GA 30319 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.11% |
| KAITLIN E. FRAZIER3 | 10 WYNDHAM DRIVE NW ATLANTA, GA 30328 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.41% |
| LAWSON BENEFITS GROUP LLC3 Filed as: LAWSON BENEFITS GROUP, LLC | PO BOX 2661 PEACHTREE CITY, GA 30269 | TRANSAMERICA LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.16% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.06% |
| JENNINGS INSURANCE SERVICES3 | 618 EAST SOUTH STREET ORLANDO, FL 32801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 36.89% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY J. BROWN-OVERDYKE | 2526 STONINGTON ROAD DUNWOODY, GA 30338 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 21.52% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $536 | $0 | $536 | 3.07% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 117 | $742K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $108K |
| Vision | AETNA LIFE INSURANCE COMPANY | 92 | $139K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $148K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $108K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $108K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 117 | $742K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.