| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH E HENEHAN FIN & INS SVCS INC3 Filed as: JOSEPH E HENEHAN | 685 CARNEGIE DR STE 205 SAN BERNARDINO, CA 92408 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $32K | $36K | 4.98% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $8K | $9K | 1.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 606017604 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 3.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303395965 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 9.81% |
| NATIONAL INSURANCE BROKERS3 | 2650 MCCORMICK DRIVE STE 200S CLEARWATER, FL 33759 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 3.19% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 2.88% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $5K | $50K | 14.39% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $366 | $61 | $427 | 0.12% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85 | $85 | 0.02% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 324662819 | VISION SERVICE PLAN | $17K | — | $17K | 7.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT RD., SUITE 800 ATLANTA, GA 30305 | ACE AMERICAN INSURANCE COMPANY | $22K | — | $22K | 13.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $13 | $8K | 6.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 19200 STEVENS CREEK BLVD. STE 210 CUPERTINO, CA 950142530 | METROPOLITAN LIFE INSURANCE COMPANY | — | $65 | $65 | 0.05% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LN NW MARIETTA, GA 30064 | AFLAC | $919 | — | $919 | 2.03% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY, STE 700 ATLANTA, GA 30328 | AFLAC | $714 | — | $714 | 1.58% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | AFLAC | $288 | — | $288 | 0.64% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $259 | — | $259 | 0.57% |
| ANDREW DAVID KOWN3 | 6130 RIVER SHORE PKWY ATLANTA, GA 30328 | AFLAC | $208 | — | $208 | 0.46% |
| KATHLEEN T BENES3 Filed as: KATHLEEN BENES | 103 AVERY DR TALKING ROCK, GA 30175 | AFLAC | $204 | — | $204 | 0.45% |
| DARRYL E PERRY3 Filed as: DARRYL PERRY | 18 WATERS EDGE DR SE ACWORTH, GA 30102 | AFLAC | $181 | — | $181 | 0.40% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING GROUP INC | 270 COBB PKWY S STE 140 MARIETTA, GA 30060 | AFLAC | $117 | — | $117 | 0.26% |
| KATHERINE B CLENNEY3 Filed as: KATHERINE CLENNEY | 296 N OAK GROVE RD MEMPHIS, TN 38120 | AFLAC | $84 | — | $84 | 0.19% |
| MICHAEL WELLING3 | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | AFLAC | $83 | — | $83 | 0.18% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DR JACKSON, TN 38305 | AFLAC | $76 | — | $76 | 0.17% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $70 | — | $70 | 0.15% |
| PAUL S MANNA JR3 Filed as: PAUL S MANNA | 201 WASHINGOTN AVE PLEASANTVILLE, NY 10570 | AFLAC | $59 | — | $59 | 0.13% |
| MARCI COHEN3 | 1155 SHORTLEAF CIR SYKESVILLE, MD 21784 | AFLAC | $58 | — | $58 | 0.13% |
| ROBERT F LANSFORD3 | 5018 AMBER WAY NW ACWORTH, GA 30102 | AFLAC | $55 | — | $55 | 0.12% |
| KIMBERLY DEWINTER3 | 2514 62ND AVE W MILAN, IL 61264 | AFLAC | $51 | — | $51 | 0.11% |
| JOSEPH FOXLEY3 Filed as: JOSEPH P FOXLEY | 2660 RAINIER PL WEST LINN, OR 97068 | AFLAC | $42 | — | $42 | 0.09% |
| CHARLES HARTHUN3 | 419 TYLER TRL JAMESTOWN, TN 38556 | AFLAC | $39 | — | $39 | 0.09% |
| SANDRA L SIEBERT3 Filed as: SANDRA SIEBERT | 6070 TANGLETREE DR ROSWELL, GA 30075 | AFLAC | $33 | — | $33 | 0.07% |
| DAVID SCHENKEL JR3 Filed as: DAVID SCHENKEL, JR | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $27 | — | $27 | 0.06% |
| KAREN H SMITH3 Filed as: KAREN SMITH | 145 CHURCH ST NE STE 200 MARIETTA, GA 30060 | AFLAC | $22 | — | $22 | 0.05% |
| SANDRA SIMS3 Filed as: SANDRA FERNANDEZ | 2515 ROUND POINTE DR HAVERSTRAW, NY 10927 | AFLAC | $20 | — | $20 | 0.04% |
| ERIN RADA3 | 173 RAINBOW DR #7300 LIVINGSTON, TX 77399 | AFLAC | $19 | — | $19 | 0.04% |
| WAYNE NADORF3 | 4 NORTHWOOD CT NEW ROCHELLE, NY 10804 | AFLAC | $16 | — | $16 | 0.04% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $13 | — | $13 | 0.03% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY IRVIN | 675 S RIDGEVIEW LN PEORIA, IL 61604 | AFLAC | $12 | — | $12 | 0.03% |
| STEVE SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $10 | — | $10 | 0.02% |
| ANTHONY WOLF3 | 6801 COUNTY ROAD 13 NISSWA, MN 56468 | AFLAC | $9 | — | $9 | 0.02% |
| STEVEN MUNICHIELLO3 | 72 PLEASANT ST FRANKLIN, MA 02038 | AFLAC | $8 | — | $8 | 0.02% |
| JULIE BALL3 | 2568 BEECHWOOD VILLAGE CT HENDERSON, NV 89052 | AFLAC | $8 | — | $8 | 0.02% |
| DARLENE RUESS3 | 110 HADDEN ST PEEKSKILL, NY 10566 | AFLAC | $8 | — | $8 | 0.02% |
| STEVEN R KARAS3 Filed as: STEVEN KARAS | 222 WARD ST NEWTON, MA 02459 | AFLAC | $7 | — | $7 | 0.02% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $7 | — | $7 | 0.02% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $6 | — | $6 | 0.01% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $5 | — | $5 | 0.01% |
| HELEN MENDEZ3 | 534 BRIGHTWATER ST HENDERSON, NV 89014 | AFLAC | $5 | — | $5 | 0.01% |
| KEVIN KARES3 | 208 TURKEY CREEK WAY HENDERSON, NV 89074 | AFLAC | $5 | — | $5 | 0.01% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $4 | — | $4 | 0.01% |
| LILLIAN TOMPKINS3 | 704 SEAGATE DR TAMPA, FL 33602 | AFLAC | $3 | — | $3 | 0.01% |
| RAYMOND J KOBER3 Filed as: RAYMOND KOBER | 15712 12TH AVE WHITESTONE, NY 11357 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 744 E DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $1 | — | $1 | 0.00% |
| LISA VALDEZ LEE3 | 9437 N 51ST DR GLENDALE, AZ 85302 | AFLAC | $0 | — | $0 | 0.00% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 910 W KATHLEEN RD PHOENIX, AZ 85023 | AFLAC | $0 | — | $0 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | $0 | — | $0 | 0.00% |
| TOMAS FLORES3 | 2030 HUDSON ST APT 942 FORT LEE, NJ 07024 | AFLAC | $0 | — | $0 | 0.00% |
| GEORGE PADRON3 | 11 S CENTRAL AVE, APT 2115 PHOENIX, AZ 85004 | AFLAC | $0 | — | $0 | 0.00% |
| RYAN E MCPHAIL3 Filed as: RYAN MCPHAIL | 206 ARBOR CT CANTON, GA 30114 | AFLAC | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMOND ROAD SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $798 | — | $798 | 2.56% |
| MICHAEL WELLING3 | 22 BRANCH BROOK ROAD WHITE PLAINS, NY 10605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $677 | — | $677 | 2.17% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD, NW SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $600 | — | $600 | 1.92% |
| KAREN H SMITH3 | 145 CHURCH ST NE STE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | — | $191 | 0.61% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.33% |
| RAYMOND J KOBER3 | 5 WEST MAIN STREET SUITE 209 ELMSFORD, NY 10523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.14% |
| ANDREW DAVID KOWN3 | 710 GREEKGARDE N COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.08% |
| RONALD S SANDERS3 Filed as: RONALD D SANDERS | 744 EAST DENIM TRAIL SAN TAN VALLEY, AZ 85413 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.07% |
| JONATHAN A FERGUSON3 | 14301 N 87TH STREET STE 319 SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD STE 600 TARRYTOWN, NY 10591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.06% |
| JOSEPH FOXLEY3 Filed as: JOSEPH P FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| SCOTT WEBB3 | 2355 WEST PINNACLES PEAK ROAD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JASON D HARTMAN3 | 5 BIBSON HILL ROAD CHESTER, NY 10918 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| RYAN E MCPHAIL3 Filed as: RYAN MCPHAIL | 206 ARBOR COURT CONTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| RICHARD MICHAEL TIDWELL3 | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS OF FLORIDA | $3K | — | $3K | 9.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS OF FLORIDA | — | $238 | $238 | 0.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINIA BEACH, FL 23466 | METLIFE LEGAL PLANS OF FLORIDA | — | $143 | $143 | 0.54% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, STE 700 ATLANTA, GA 303286128 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | JP MORGAN CHASE LOCKBOX 4 CHASE METROTECH CENTER, 7TH FLOOR BROOKLYN, NY 11245 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | — | $63K | — |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | JP MORGAN CHSE LOCKBOX 4 CHASE METROTECH CENTER, 7TH FLOOR BROOKLYN, NY 11245 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | — | $488 | — |
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 | 3,213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 194 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $736K |
| Vision | VISION SERVICE PLAN | 1,325 | $242K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,057 | $853K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,694 | $0 |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,993 | $624K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,057 | — |
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.
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.