| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104K | $39K | $142K | 6.39% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 61824 | PACIFIC LIFE INSURANCE COMPANY | $15K | — | $15K | 2.01% |
| LAWTON MACD NEASE III3 | 2100 RIVEREDGE PKWY STE 200 ATLANTA, GA 30328 | PACIFIC LIFE INSURANCE COMPANY | $10K | — | $10K | 1.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $4K | $33K | 13.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $2K | $10K | 4.13% |
| NATIONAL PLANNING CONSULTANTS INC3 | 3224 LANIER DR NE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 1.27% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $316 | $316 | 0.14% |
| DOUGLAS W MCRAE3 | 100 N MAIN ST WINSTON-SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $64 | $64 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | — | $4K | 1.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $7K | 8.69% |
| NATIONAL PLANNING CONSULTANTS INC3 | 3224 LANIER DR NE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 5.49% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $507 | $507 | 0.59% |
| DOUGLAS W MCRAE3 | 100 N MAIN ST WINSTON-SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $104 | $104 | 0.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 N MAIN ST WINSTON SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H REYNOLDS III ET AL | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $15K | — | $15K | 18.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $9K | $17K | 23.86% |
| NATIONAL PLANNING CONSULTANTS INC3 | 3224 LANIER DR NE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $8K | $12K | 17.51% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 1.88% |
| DOUGLAS W MCRAE3 | 100 MAIN ST WINSTON-SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $271 | $271 | 0.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.03% |
| LISA MCDANIEL3 Filed as: LISA D MCDANIEL ET AL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 19.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $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 | $1K | — | $1K | 2.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $35 | $3K | 7.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $327 | $0 | $327 | 2.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 N MAIN ST WINSTON SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | $0 | $35 | 0.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $246 | $2K | 15.56% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE ET AL | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $0 | $1K | 23.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | $54 | $181 | 3.51% |
| NATIONAL PLANNING CONSULTANTS INC3 | 3224 LANIER DR NE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $44 | $73 | 1.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 100 N MAIN ST WINSTON SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.45% |
| DOUGLAS W MCRAE3 | 100 N MAIN ST WINSTON-SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2 | $2 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $573 | $0 | $573 | 14.32% |
| ROBERT NECESSARY3 Filed as: ROBERT S NECESSARY | 12718 AVIANO DR NAPLES, FL 34105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $3.5M |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 30541 SALT LAKE CITY, UT 84130 | $1.4M |
| WELLS FARGO INSURANCE SERVICES USA EIN 56-1882208 BROKER | Other commissions Service code 55 | PO BOX 201503 DALLAS, TX 75320 | $229K |
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 | 1,623 | 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) | 1,647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,069 | $225K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,610 | $3.1M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,610 | $2.2M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,377 | $900K |
| Other(17 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,614 | $3.3M |
| 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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.