| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 201503 DALLAS, TX 75320 | UNION SECURITY INSURANCE COMPANY | $136K | $0 | $136K | 5.33% |
| THE DOWNEY GROUP INC3 Filed as: THE DOWNEY GROUP | P.O. BOX 1460 CHAMPAIGN, IL 61824 | PACIFIC LIFE INSURANCE COMPANY | $20K | $0 | $20K | 3.14% |
| LAWTON MACD NEASE III3 | 2100 RIVEREDGE PARKWAY STE 200 ATLANTA, GA 30328 | PACIFIC LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.09% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H REYNOLDS III ET AL | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | $0 | $9K | 3.58% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $11K | $0 | $11K | 5.53% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET SAVANNAH, GA 31401 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $257 | $0 | $257 | 0.13% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.04% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.96% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET SAVANNAH, GA 31401 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $276 | $0 | $276 | 0.33% |
| WELLS FARGO INSURANCE SERVICES3 | 100 MAIN STREET WINSTON-SALEM, NC 27150 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.02% |
| GEORGE REYNOLDS III ET AL3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $9K | $0 | $9K | 11.29% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.90% |
| LISA MCDANIEL3 Filed as: LISA F MCDANIEL ET AL | 2801 DEVINE STREET COLUMBIA, SC 29205 | CONTINENTAL AMERICA INSURANCE COMPANY | $13K | $0 | $13K | 24.79% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.03% |
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.60% |
| ONE SOURCE BROKERAGE, INC.3 Filed as: ONE SOURCE BROKERAGE INC. | 3155 MIDTOWN PARK SOUTH MOBILE, AL 36606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $992 | $0 | $992 | 2.40% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $895 | $0 | $895 | 3.14% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET SAVANNAH, GA 31401 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $234 | $0 | $234 | 0.82% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $690 | $0 | $690 | 4.43% |
| WELLS FARGO INSURANCE SERVICES3 | 100 N MAIN STREET WINSTON-SALEM, NC 27150 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.46% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD STE 800 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| DAVID DOWNEY3 | M HOLDING SECURITIES P.O. BOX 9190 DES MOINES, IA 50306 | SECURITY LIFE OF DENVER INSURANCE COMPANY | $123 | $0 | $123 | 1.20% |
| LAWTON NEASE3 | ENTERPRISES SECURITY GROUP P.O. BOX 9190 DES MOINES, IA 50306 | SECURITY LIFE OF DENVER INSURANCE COMPANY | $82 | $0 | $82 | 0.80% |
| STEPHEN WHITE ET AL3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $621 | $0 | $621 | 11.56% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $142 | $0 | $142 | 2.68% |
| WELLS FARGO INSURANCE SERVICES3 | 25 BULL STREET SAVANNAH, GA 31401 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 1.92% |
| WELLS FARGO INSURANCE SERVICES3 | 100 MAIN STREET WINSTON-SALEM, NC 27150 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.87% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $644 | $0 | $644 | 13.81% |
| ROBERT NECESSARY3 | 1278 AVIANO DRIVE NAPLES, FL 34105 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.39% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 1.73% |
| WELLS FARGO INSURANCE SERVICES3 | 26 BULL STREET SAVANNAH, GA 31401 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC EIN 33-0044120 PHARMACY BENEFIT MGT | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $3.8M |
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 30541 SALT LAKE CITY, UT 84130 | $1.3M |
| WELLS FARGO INSURANCE COMPANY EIN 55-1882206 BROKER | Other commissions Service code 55 | 301 S COLLEGE STREET 19TH FLOOR CHARLOTTE, NC 28202 | $227K |
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 | 1,640 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,052 | $192K |
| Life insurance(4 contracts, 4 carriers) | UNION SECURITY INSURANCE COMPANY | 1,603 | $3.3M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 1,603 | $2.5M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,364 | $735K |
| Other(16 contracts, 7 carriers) | AFLAC | 1,650 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,650 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.