| 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 | $104K | $28K | $131K | 6.41% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $6K | — | $6K | 1.20% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 30328 | PACIFIC LIFE INSURANCE COMPANY | $4K | — | $4K | 0.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | VISION SERVICE PLAN | $2K | — | $2K | 0.83% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $3K | $34K | 17.60% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $176 | $4K | 2.45% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE RD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $651 | $3K | 1.55% |
| KENNETH C YARBROUGH3 Filed as: KENNETH YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $397 | $397 | 0.23% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 0.10% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $12K | — | $12K | 10.40% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 30328 | PACIFIC LIFE INSURANCE COMPANY | $8K | — | $8K | 6.94% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ST NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $1K | $7K | 7.01% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $591 | $4K | 3.41% |
| KENNETH C YARBROUGH3 Filed as: KENNETH YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 1.01% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.09% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H REYNOLDS III ET AL | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $11K | $147 | $11K | 13.69% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ST NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $734 | $3K | 3.64% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $115 | $2K | 2.61% |
| KENNETH C YARBROUGH3 Filed as: KENNETH YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $390 | $390 | 0.51% |
| LONGMONT GROUP INC DBA THE PADON CO3 | 5321 LONGMONT DR HOUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $131 | $33 | $164 | 0.22% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.12% |
| M FINANCIAL HOLDINGS INC3 | STE 900 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $26 | $26 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.11% |
| LISA MCDANIEL3 Filed as: LISA F MCDANIEL ET AL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 12.38% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | 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% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $279 | $0 | $279 | 1.93% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $173 | $2K | 16.25% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $932 | — | $932 | 7.10% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE ET AL | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $471 | — | $471 | 12.31% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $2 | $62 | 1.87% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ST NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $7 | $47 | 1.42% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 0.84% |
| KENNETH C YARBROUGH3 Filed as: KENNETH YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $7 | $7 | 0.21% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $271 | — | $271 | 14.88% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE ATLANTA, GA 30305 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 1.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.1M |
| USI INSURANCE SERVICES LLC EIN 13-3771734 BROKER | Other commissions Service code 55 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | $126K |
| USI INSURANCE SERVICES NATIONAL INC EIN 56-1882208 BROKER | Other commissions Service code 55 | ATTN ACCOUNTING DEPT PO BOX 201503 DALLAS, TX 753201503 | $91K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Insurance services Service code 23 | — | $20K |
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 | 1,520 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 997 | $212K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,497 | $2.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,497 | $2.0M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,295 | $1.3M |
| Other(17 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,560 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,560 | — |
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.