| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTERTAINMENT AND SPORTS INSURANCE3 | TWO PACES WEST STE 1500 2727 PACES FERRY RD ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 7.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 606017604 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 4.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 234662949 | KAISER FOUNDATION HEALTH PLAN INC. | — | $49 | $49 | 0.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $6K | $51K | 15.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303395965 | STANDARD INSURANCE COMPANY | $51K | — | $51K | 15.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 324662819 | VISION SERVICE PLAN | $17K | — | $17K | 7.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT RD., SUITE 800 ATLANTA, GA 30305 | ACE AMERICAN INSURANCE COMPANY | $20K | — | $20K | 13.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $21 | $8K | 6.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.49% |
| JOHN KOWN II3 | 430 DAVIS CARNES LN NW MARIETTA, GA 30064 | AFLAC | $1K | $33 | $1K | 2.40% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY, STE 700 ATLANTA, GA 30328 | AFLAC | $970 | — | $970 | 1.91% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $401 | — | $401 | 0.79% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | AFLAC | $317 | — | $317 | 0.62% |
| KATHLEEN T BENES3 Filed as: KATHLEEN BENES | 103 AVERY DR TALKING ROCK, GA 30175 | AFLAC | $250 | $5 | $255 | 0.50% |
| ANDREW DAVID KOWN3 Filed as: ANDREW KOWN | 6130 RIVER SHORE PKWY ATLANTA, GA 30328 | AFLAC | $223 | — | $223 | 0.44% |
| ROBERT F LANSFORD3 Filed as: ROBERT LANSFORD | 5018 AMBER WAY NW ACWORTH, GA 30102 | AFLAC | $212 | — | $212 | 0.42% |
| DARYL PERRY3 | 4360 WALFORDE BLVD ACWORTH, GA 30101 | AFLAC | $173 | $10 | $183 | 0.36% |
| ELIZABETH FINCHER3 | 493 VICTORIA RD WOODSTOCK, GA 30189 | AFLAC | $162 | — | $162 | 0.32% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $87 | $44 | $131 | 0.26% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING GROUP INC | 270 COBB PKWY S STE 140 MARIETTA, GA 30060 | AFLAC | $106 | — | $106 | 0.21% |
| KATHERINE B CLENNEY3 Filed as: KATHERINE CLENNEY | 296 N OAK GROVE RD MEMPHIS, TN 38120 | AFLAC | $94 | — | $94 | 0.19% |
| MICHAEL WELLING3 | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | AFLAC | $86 | — | $86 | 0.17% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DR JACKSON, TN 38305 | AFLAC | $83 | — | $83 | 0.16% |
| SHARON HARDEN3 | 5538 VAUGHN RD WOODSTOCK, GA 30188 | AFLAC | $69 | — | $69 | 0.14% |
| PAUL S MANNA JR3 Filed as: PAUL MANNA JR | 201 WASHINGOTN AVE PLEASANTVILLE, NY 10570 | AFLAC | $68 | — | $68 | 0.13% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $56 | — | $56 | 0.11% |
| JOSEPH FOXLEY3 | 5885 MEADOWS RD, STE 320 LAKE OSWEGO, OR 97035 | AFLAC | $48 | — | $48 | 0.09% |
| DAVID HAMMOND3 | 1604 WINTERSET PKWY SE MARIETTA, GA 30067 | AFLAC | $25 | $22 | $47 | 0.09% |
| SANDRA L SIEBERT3 Filed as: SANDRA SIEBERT | 6070 TANGLETREE DR ROSWELL, GA 30075 | AFLAC | $43 | — | $43 | 0.08% |
| CHARLES HARTHUN3 | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $42 | — | $42 | 0.08% |
| KIMBERLY DEWINTER3 | 2514 62ND AVE W MILAN, IL 61264 | AFLAC | $41 | — | $41 | 0.08% |
| KIMBERLY DEWINTER3 | 1523 47TH AVE STE 3 MOLINE, IL 61265 | AFLAC | $34 | — | $34 | 0.07% |
| SANDRA SIMS3 Filed as: SANDRA FERNANDEZ | 2515 ROUND POINTE DR HAVERSTRAW, NY 10927 | AFLAC | $29 | — | $29 | 0.06% |
| DAVID SCHENKEL JR3 Filed as: DAVID SCHENKEL, JR | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $24 | — | $24 | 0.05% |
| ERIN RADA3 | 173 RAINBOW DR #7300 LIVINGSTON, TX 77399 | AFLAC | $18 | — | $18 | 0.04% |
| KAREN H SMITH3 Filed as: KAREN SMITH | 145 CHURCH ST NE STE 200 MARIETTA, GA 30060 | AFLAC | $18 | — | $18 | 0.04% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY IRVIN | 675 S RIDGEVIEW LN PEORIA, IL 61604 | AFLAC | $17 | — | $17 | 0.03% |
| WAYNE NADORF3 | 4 NORTHWOOD CT NEW ROCHELLE, NY 10804 | AFLAC | $15 | — | $15 | 0.03% |
| KEVIN KARES3 | 208 TURKEY CREEK WAY HENDERSON, NV 89074 | AFLAC | $8 | $5 | $13 | 0.03% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $12 | — | $12 | 0.02% |
| JULIE BALL3 | 2568 BEECHWOOD VILLAGE CT HENDERSON, NV 89052 | AFLAC | $10 | — | $10 | 0.02% |
| LISA VALDEZ LEE3 | 9437 N 51ST DR GLENDALE, AZ 85302 | AFLAC | $10 | — | $10 | 0.02% |
| GEORGE PADRON3 | 11 S CENTRAL AVE, APT 2115 PHOENIX, AZ 85004 | AFLAC | $9 | — | $9 | 0.02% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $9 | — | $9 | 0.02% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $8 | $1 | $9 | 0.02% |
| ANTHONY WOLF3 | 6801 COUNTY ROAD 13 NISSWA, MN 56468 | AFLAC | $8 | — | $8 | 0.02% |
| STEVEN MUNICHIELLO3 | 72 PLEASANT ST FRANKLIN, MA 02038 | AFLAC | $8 | — | $8 | 0.02% |
| STEVEN R KARAS3 Filed as: STEVEN KARAS | 2000 COMMONWEALTH AVE STE 305 AUBURNDALE, MA 02466 | AFLAC | $7 | — | $7 | 0.01% |
| DARLENE RUESS3 | 110 HADDEN ST PEEKSKILL, NY 10566 | AFLAC | $7 | — | $7 | 0.01% |
| HELEN MENDEZ3 | 534 BRIGHTWATER ST HENDERSON, NV 89014 | AFLAC | $5 | — | $5 | 0.01% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $5 | — | $5 | 0.01% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $4 | — | $4 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $4 | — | $4 | 0.01% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $4 | — | $4 | 0.01% |
| LILLIAN TOMPKINS3 | PO BOX 907 BEACON, NY 12508 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 580 WHITE PLAINS RD, STE 600 TARRYTOWN, NY 10591 | AFLAC | $1 | — | $1 | 0.00% |
| RAYMOND J KOBER3 Filed as: RAYMOND KOBER | 15712 12TH AVE WHITESTONE, NY 11357 | AFLAC | $1 | — | $1 | 0.00% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $1 | — | $1 | 0.00% |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN E MCPHAIL3 Filed as: RYAN MCPHAIL | 206 ARBOR CT CANTON, GA 30114 | AFLAC | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET FL 24 CINCINNATI, OH 45202 | UNITED HEALTHCARE INSURANCE COMPANY | $289 | — | $289 | 0.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $395 | — | $395 | 1.14% |
| MICHAEL WELLING3 Filed as: MICHAEL K WELLING | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $333 | — | $333 | 0.96% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD NW SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $296 | — | $296 | 0.86% |
| KAREN H SMITH3 | 145 CHURCH ST NE STE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.26% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROACH ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.14% |
| RAYMOND J KOBER3 | 5 WEST MAIN STREET SUITE 209 ELMSFORD, NY 10523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.06% |
| ANDREW D KOWN3 | 710 CREEK GARDEN CT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| RONALD S SANDERS3 | 744 E. DEMIN TRAIL SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.03% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD SUITE 600 TARRYTOWN, NY 10591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| JONATHAN A FERGUSON3 | 14301 N 87TH ST STE 319 SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| RYAN E MCPHAIL3 | 206 ARBOR CT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JASON D HARTMAN3 | 5 GIBSON HILL RD CHESTER, NY 10918 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JOSEPH FOXLEY3 Filed as: JOSEPH P FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS OF FLORIDA | $2K | — | $2K | 9.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINIA BEACH, FL 23466 | METLIFE LEGAL PLANS OF FLORIDA | — | $285 | $285 | 1.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS OF FLORIDA | — | $57 | $57 | 0.22% |
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 | 2,451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 172 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,250 | $226K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,815 | $775K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,534 | $749K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,823 | $592K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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.