| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SW ROANOKE, VA 24011 | BLUE CROSS BLUE SHIELD HEALTHCARE OF GEORGIA, INC. | $51K | $0 | $51K | 4.23% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 5.05% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS INC. | 9085 BETHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $944 | $117 | $1K | 2.48% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $762 | $44 | $806 | 1.89% |
| B. V. STONE INC. AND OTHER AGENTS3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $415 | $73 | $488 | 1.14% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY INC. | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $376 | $26 | $402 | 0.94% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $373 | $0 | $373 | 0.87% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $337 | $0 | $337 | 0.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203510 DALLAS, TX 75320 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 21.00% |
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SW ROANOKE, VA 24011 | GREATER GEORGIA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE OF GEORGIA, INC. | 206 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE OF GEORGIA, INC. | 206 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE OF GEORGIA, INC. | 206 | $1.2M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 532 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $33K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE OF GEORGIA, INC. | 206 | $1.2M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 532 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.