| 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 | $5K | $42K | $47K | 4.45% |
| JOSEPH E HENEHAN FIN & INS SVCS INC3 Filed as: JOSEPH E HENEHAN FINL & INS SVCS | 685 CARNEGIE DRIVE STE 205 SAN BERNARDINO, CA 924083550 | UNITED HEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 1.32% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $10K | $11K | 1.08% |
| 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 | $67K | $11K | $78K | 9.29% |
| NATIONAL INSURANCE MARKETING BROKER3 | 14551 WEST 10TH STREET SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD | $33K | $20K | $53K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | — | $23K | 4.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 324662819 | VISION SERVICE PLAN | $20K | — | $20K | 9.98% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | ACE AMERICAN INSURANCE COMPANY | $22K | — | $22K | 13.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | ACE AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $31 | $3K | 2.24% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 565 METRO PLACE SOUTH SUITE 300 DUBLIN, OH 43017 | METROPOLITAN LIFE INSURANCE COMPANY | — | $355 | $355 | 0.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.11% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, STE 700 ATLANTA, GA 303286128 | UNITED HEALTHCARE INSURANCE COMPANY | — | $18 | $18 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | — | $7 | $7 | 0.02% |
| NATIONAL INSURANCE MARKET BROKER3 | 2650 MCCORMICK DRIVE CLEARWATER, FL 33759 | METLIFE LEGAL PLANS OF FLORIDA | $4K | — | $4K | 12.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS OF FLORIDA | $2K | — | $2K | 5.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62989 VIRGINIA BEACH, FL 23466 | METLIFE LEGAL PLANS OF FLORIDA | — | $228 | $228 | 0.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 200 W. CYPRESS CREEK ROAD SUITE 600 FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS OF FLORIDA | — | $63 | $63 | 0.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS OF FLORIDA | — | $29 | $29 | 0.10% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 10TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD | $14K | $2K | $16K | 68.00% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 107TH STREET STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 51.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | -$848 | $2K | $1K | 5.30% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 107TH STREET STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $269 | $18 | $287 | 1.26% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | -$18 | $29 | $11 | 0.05% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 10TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD - VACC | $8K | $1K | $10K | 68.00% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LN NW MARIETTA, GA 30064 | AFLAC | $229 | — | $229 | 2.04% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY, STE 700 ATLANTA, GA 30328 | AFLAC | $165 | — | $165 | 1.47% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $71 | — | $71 | 0.63% |
| DARRYL E PERRY3 | 18 WATERS EDGE DR SE ACWORTH, GA 30102 | AFLAC | $59 | — | $59 | 0.53% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T GILREATH | 103 AVERY DR TALKING ROCK, GA 30175 | AFLAC | $54 | — | $54 | 0.48% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | AFLAC | $43 | — | $43 | 0.38% |
| KATHERINE B CLENNEY3 | 296 N OAK GROVE RD MEMPHIS, TN 38120 | AFLAC | $27 | — | $27 | 0.24% |
| ANDREW DAVID KOWN3 | 6130 RIVER SHORE PKWY ATLANTA, GA 30328 | AFLAC | $25 | — | $25 | 0.22% |
| TIMOTHY CLENNEY3 | 267 RAMBLEWOOD DR JACKSON, TN 30041 | AFLAC | $24 | — | $24 | 0.21% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $22 | — | $22 | 0.20% |
| MICHAEL WELLING3 | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | AFLAC | $20 | — | $20 | 0.18% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING GROUP INC | 270 COBB PKWY S STE 140 MARIETTA, GA 30060 | AFLAC | $19 | — | $19 | 0.17% |
| PAUL S MANNA JR3 Filed as: PAUL S MANNA | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $14 | — | $14 | 0.12% |
| MARCI COHEN3 | 1155 SHORTLEAF CIR SKYESVILLE, MD 21784 | AFLAC | $13 | — | $13 | 0.12% |
| CHARLES HARTHUN3 Filed as: CHARLES BRYAN HARTHUN | 419 TYLER TRAIL JAMESTOWN, TN 38556 | AFLAC | $12 | — | $12 | 0.11% |
| KIMBERLY DEWINTER3 Filed as: KIMBERLY DEWITTE | 2514 62ND AVE W MILAN, IL 61264 | AFLAC | $10 | — | $10 | 0.09% |
| JOSEPH FOXLEY3 Filed as: JOSEPH P FOXLEY | 2660 RAINIER PL WEST LINN, OR 97068 | AFLAC | $9 | — | $9 | 0.08% |
| DAVID SCHENKEL JR3 Filed as: DAVID SCHENKEL, JR | 4000 BLACKBURN LN STE 260 BURTONSVILLE, MD 20866 | AFLAC | $7 | — | $7 | 0.06% |
| SANDRA M FERNANDEZ3 | 2515 ROUND POINTE DR HAVERSTRAW, NY 10927 | AFLAC | $6 | — | $6 | 0.05% |
| KAREN H SMITH3 Filed as: KAREN SMITH | 145 CHURCH ST NE STE 200 MARIETTA, GA 30060 | AFLAC | $6 | — | $6 | 0.05% |
| WAYNE NADORF3 | 4 NORTHWOOD CT NEW ROCHELLE, NY 10804 | AFLAC | $5 | — | $5 | 0.04% |
| ERIN RADA3 | 173 RAINBOW DR #7300 LIVINGSTON, TX 77399 | AFLAC | $5 | — | $5 | 0.04% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKVILLE, MD 20833 | AFLAC | $4 | — | $4 | 0.04% |
| ROBERT F LANSFORD3 | 5018 AMBER WAY NW ACWORTH, GA 30102 | AFLAC | $3 | — | $3 | 0.03% |
| SANDRA L SIEBERT3 Filed as: SANDRA LEE SIEBERT | 6070 TANGLETREE DR ROSWELL, GA 30075 | AFLAC | $3 | — | $3 | 0.03% |
| JULIE A ELLIS3 Filed as: JULIE MARIE BALL | 730 EAST 950 SOUTH APT A540 OREM, UT 84097 | AFLAC | $3 | — | $3 | 0.03% |
| STEVE D SERVI3 | 6127 S RAINBOW BLVD STE 110 LAS VEGAS, NV 89118 | AFLAC | $3 | — | $3 | 0.03% |
| ANTHONY WOLF3 | 6801 COUNTY ROAD 13 NISSWA, MN 56468 | AFLAC | $2 | — | $2 | 0.02% |
| STEVEN MUNICHIELLO3 | 72 PLEASANT ST FRANKLIN, MA 02038 | AFLAC | $2 | — | $2 | 0.02% |
| STEVEN R KARAS3 Filed as: STEVEN KARAS | 222 WARD ST NEWTON, MA 02459 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $2 | — | $2 | 0.02% |
| DARLENE RUESS3 Filed as: DARLENE L RUESS | 110 HADDEN ST PEEKSKILL, NY 10566 | AFLAC | $2 | — | $2 | 0.02% |
| KEVIN KARES3 Filed as: KEVIN S KARES | 208 TURKEY CREEK WAY HENDERSON, NV 89074 | AFLAC | $2 | — | $2 | 0.02% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY IRVIN | 675 S RIDGEVIEW LN PEORIA, IL 61604 | AFLAC | $2 | — | $2 | 0.02% |
| DWAYNE R MARTINEZ3 | 597 WEST 475 NORTH CLEARFIELD, UT 84015 | AFLAC | $2 | — | $2 | 0.02% |
| LUCAS BAUMGARTNER3 | 667 158TH AVE NW ANDOVER, MN 55304 | AFLAC | $1 | — | $1 | 0.01% |
| DAVID S HALLETT3 | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $1 | — | $1 | 0.01% |
| LILLIAN TOMPKINS3 | 704 SEAGATE DR TAMPA, FL 33602 | AFLAC | $1 | — | $1 | 0.01% |
| DWAYNE R MARTINEZ3 Filed as: DWAYNE MARTINEZ | 32937 BONITA MESA ST TEMECULA, CA 92592 | AFLAC | $1 | — | $1 | 0.01% |
| RAYMOND J KOBER3 Filed as: RAYMOND KOBER | 15712 12TH AVE WHITESTONE, NY 11357 | AFLAC | $0 | — | $0 | 0.00% |
| RONALD S SANDERS3 | 817 CYPRESS OAK CIRCLE DELAND, FL 32720 | 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% |
| HELEN MENDEZ3 | 534 BRIGHTWATER ST HENDERSON, NV 89014 | AFLAC | $0 | — | $0 | 0.00% |
| RYAN E MCPHAIL3 Filed as: RYAN MCPHAIL | 206 ARBOR CT CANTON, GA 30114 | AFLAC | $0 | — | $0 | 0.00% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 WEST 10TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD | $6K | $812 | $7K | 68.00% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMOND ROAD SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $216 | — | $216 | 2.27% |
| MICHAEL WELLING3 | 22 BRANCH BROOK ROAD WHITE PLAINS, NY 10605 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $196 | — | $196 | 2.06% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD, NW SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $181 | — | $181 | 1.90% |
| KAREN H SMITH3 | 145 CHURCH ST NE STE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $58 | — | $58 | 0.61% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $40 | — | $40 | 0.42% |
| RAYMOND J KOBER3 | 5 WEST MAIN STREET SUITE 209 ELMSFORD, NY 10523 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $18 | — | $18 | 0.19% |
| JONATHAN A FERGUSON3 | 14301 N 87TH STREET STE 319 SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $12 | — | $12 | 0.13% |
| RONALD S SANDERS3 Filed as: RONALD D SANDERS | 744 EAST DENIM TRAIL SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $9 | — | $9 | 0.09% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD STE 600 TARRYTOWN, NY 10591 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $8 | — | $8 | 0.08% |
| ANDREW DAVID KOWN3 | 710 GREEKGARDE N COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $6 | — | $6 | 0.06% |
| JOSEPH FOXLEY3 Filed as: JOSEPH P FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1 | — | $1 | 0.01% |
| SCOTT WEBB3 | 2355 WEST PINNACLES PEAK ROAD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1 | — | $1 | 0.01% |
| RYAN E MCPHAIL3 Filed as: RYAN MCPHAIL | 206 ARBOR COURT CONTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1 | — | $1 | 0.01% |
| RICHARD MICHAEL TIDWELL3 | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1 | — | $1 | 0.01% |
| JASON D HARTMAN3 | 5 BIBSON HILL ROAD CHESTER, NY 10918 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1 | — | $1 | 0.01% |
| CHARLES S MADISON3 Filed as: CHARLES MADISON | 3303 COBB PARKWAY NW, STE 324-354 ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $0 | — | $0 | 0.00% |
| TARRAH SMITHSON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $0 | — | $0 | 0.00% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 720 S. WELLS STREET APT 1716 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $0 | — | $0 | 0.00% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 10749 NORTH 121 ST PLACE SCOTTSDALE, AZ 85259 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $0 | — | $0 | 0.00% |
| NATALIE MALHAM3 Filed as: NATALIE CLAWSON | 5642 EAST EDGEMONT AVENUE, SCOTTSDALE, AZ 85257 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $0 | — | $0 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $0 | — | $0 | 0.00% |
| TOMAS E FLORES3 | 5711 JEFFERSON ST. APT 308 WEST NEW YORK, NY 07093 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $0 | — | $0 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL CT BURFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $0 | — | $0 | 0.00% |
| NATIONAL INSURANCE MARKETING BROKER3 | 2650 MCCORMICK DRIVE CLEARWATER, FL 33759 | METROPOLITAN GENERAL INSURANCE COMP | $273 | — | $273 | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 200 W. CYPRESS CREEK ROAD SUITE 600 FORT LAUDERDALE, FL 33309 | METROPOLITAN GENERAL INSURANCE COMP | — | $63 | $63 | — |
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 | 3,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 147 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 3,109 | $81K |
| Vision | VISION SERVICE PLAN | 1,417 | $201K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD | 1,999 | $818K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,846 | $837K |
| Other(10 contracts, 9 carriers) | ACE AMERICAN INSURANCE COMPANY | 3,109 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,109 | — |
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.