| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 201503 DALLAS, TX 75320 | UNION SECURITY INSURANCE COMPANY | $95K | $0 | $95K | 5.30% |
| THE DOWNEY GROUP INC3 Filed as: THE DOWNEY GROUP | P.O. BOX 1460 CHAMPAIGN, IL 61824 | PACIFIC LIFE INSURANCE COMPANY | $23K | $0 | $23K | 4.71% |
| LAWTON MACD NEASE III3 | 2100 RIVEREDGE PKWY STE 200 ATLANTA, GA 30328 | PACIFIC LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $7K | $17K | 5.00% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $22K | $22K | $44K | 19.12% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | VISION SERVICE PLAN | $4K | $0 | $4K | 1.83% |
| GEORGE REYNOLDS III ET AL3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $10K | $0 | $10K | 11.41% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | $3K | $6K | 8.45% |
| WELLS FARGO INSURANCE SERVICES3 | 100 MAIN STREET WINSTON-SALEM, NC 27150 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.02% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.15% |
| LISA MCDANIEL3 Filed as: LISA F MCDANIEL ET AL | 2801 DEVINE STREET COLUMBIA, SC 29205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 27.19% |
| WELLS FARGO INSURANCE SERVICES3 | P.O. BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 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 | $1K | $0 | $1K | 2.40% |
| 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 | 10.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY | $0 | $768 | $768 | 1.84% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 8.59% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 14.16% |
| WELLS FARGO INSURANCE SERVICES3 | 100 N MAIN STREET WINSTON-SALEM, NC 27150 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $66 | $0 | $66 | 0.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $654 | $6K | 34.90% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $912 | $0 | $912 | 9.99% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: M HOLDING SECURITIES | P.O. BOX 9190 DES MOINES, IA 50306 | SECURITY LIFE OF DENVER INSURANCE COMPANY | $205 | $0 | $205 | 3.97% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $138 | $129 | $267 | 5.23% |
| WELLS FARGO INSURANCE SERVICES3 | 100 N MAIN STREET WNSTON-SALEM, NC 27150 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.82% |
| STEPHEN WHITE ET AL3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $558 | $0 | $558 | 11.47% |
| WELLS FARGO INSURANCE SERVICES3 | 3754 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | $83 | $3K | 91.59% |
| ROBERT NECESSARY3 | 1278 AVIANO DRIVE NAPLES, FL 34105 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $384 | $0 | $384 | 10.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONA | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | FIRST UNUM LIFE INSURANCE COMPANY | $484 | $37 | $521 | 27.49% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $11 | $14 | $25 | 4.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC EIN 33-0044120 PHARMACY BENEFIT MGT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $3.4M |
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | P.O. BOX 30541 SALT LAKE CITY, UT 84130 | $1.2M |
| WELLS FARGO INSURANCE SERVICES EIN 55-1882206 BROKER | Other commissions Service code 55 | P.O. BOX 201503 DALLAS, TX 753201503 | $230K |
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 | 1,663 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 24 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,082 | $223K |
| Life insurance(5 contracts, 5 carriers) | UNION SECURITY INSURANCE COMPANY | 1,611 | $2.7M |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 1,611 | $2.1M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,379 | $779K |
| Other(18 contracts, 9 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,614 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,614 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.