| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $26K | $123K | 5.95% |
| THE DOWNEY GROUP INC3 Filed as: THE DOWNEY GROUP | PO BOX 1460 FL 2 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $7K | — | $7K | 1.25% |
| LAWTON MACD NEASE III3 | 2100 RIVEREDGE PKWY STE 200 ATLANTA, GA 30328 | PACIFIC LIFE INSURANCE COMPANY | $4K | — | $4K | 0.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 201503 DALLAS, TX 75320 | VISION SERVICE PLAN | $4K | — | $4K | 1.72% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $3K | $33K | 16.23% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $6K | $11K | 6.08% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $217 | $6K | $7K | 3.56% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $444 | $444 | 0.24% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $20K | — | $20K | 16.65% |
| LAWTON MACD NEASE III3 | 2100 RIVEREDGE PKWY STE 200 ATLANTA, GA 30328 | PACIFIC LIFE INSURANCE COMPANY | $13K | — | $13K | 11.10% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $511 | $8K | 8.24% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | -$98 | $7K | 6.95% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 1.69% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $511 | $678 | 0.68% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H REYNOLDS III ET AL | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $12K | $602 | $13K | 14.43% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 6.51% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | -$16 | $2K | 3.08% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $597 | $597 | 0.75% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.88% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24 | — | $24 | 0.03% |
| LISA MCDANIEL3 Filed as: LISA F MCDANIEL ET AL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 12.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $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 | — | $1K | 2.40% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.57% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $468 | $724 | 5.45% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $169 | $2K | 17.73% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE ET AL | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $817 | $83 | $900 | 14.78% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $101 | $92 | $193 | 5.14% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 1.12% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $10 | $10 | 0.27% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $435 | $115 | $550 | 18.96% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $19 | $22 | 14.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.2M |
| WELLS FARGO INSURANCE SERVICES USA EIN 56-1882208 BROKER | Other commissions Service code 55 | ATTN ACCOUNTING DEPT PO BOX 201503 DALLAS, TX 753201503 | $224K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Insurance services Service code 23 | — | $20K |
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Other fees; Float revenue Service code 12 | — | $0 |
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 | 1,600 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,057 | $221K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,570 | $2.8M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,570 | $2.1M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,332 | $981K |
| Other(17 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,578 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,578 | — |
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.