| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104K | $28K | $132K | 5.90% |
| 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 303285805 | PACIFIC LIFE INSURANCE COMPANY | $4K | — | $4K | 0.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | — | $4K | 1.99% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $2K | $31K | 16.25% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $8K | 4.95% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 2.63% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $536 | $536 | 0.32% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.10% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 61824 | PACIFIC LIFE INSURANCE COMPANY | $7K | — | $7K | 6.19% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 30328 | PACIFIC LIFE INSURANCE COMPANY | $5K | — | $5K | 4.13% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $11K | 9.97% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $4K | $9K | 7.74% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $1K | $1K | 1.23% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $4K | $7K | 9.12% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE RD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3K | $7K | 8.14% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $785 | $785 | 0.97% |
| LONGMONT GROUP INC DBA THE PADON CO3 | 5321 LONGMONT DR HOUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $164 | $33 | $197 | 0.24% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | $0 | $89 | 0.11% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $26 | $26 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.17% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H REYNOLDS III ET AL | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $9K | $115 | $9K | 13.32% |
| LISA MCDANIEL3 Filed as: LISA F MCDANIEL ET AL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 12.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 601478 CHARLOTTE, NC 282601478 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.60% |
| ONE SOURCE BROKERAGE, INC.3 Filed as: ONE SOURCE BROKERAGE INC | 2155 MIDTOWN PARK SOUTH MOBILE, AL 36606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.40% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $471 | $4K | 17.12% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $252 | — | $252 | 1.74% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $694 | — | $694 | 7.09% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $52 | — | $52 | 1.20% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 303285805 | PACIFIC LIFE INSURANCE COMPANY | $35 | — | $35 | 0.81% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $41 | $122 | 3.48% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $38 | $97 | 2.77% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.80% |
| KENNETH C YARBROUGH3 | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $12 | $12 | 0.34% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE ET AL | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $388 | — | $388 | 12.78% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $21 | — | $21 | 1.18% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 303285805 | PACIFIC LIFE INSURANCE COMPANY | $14 | — | $14 | 0.79% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $66 | — | $66 | 4.26% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 303285805 | PACIFIC LIFE INSURANCE COMPANY | $44 | — | $44 | 2.84% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $18 | — | $18 | 1.20% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 303285805 | PACIFIC LIFE INSURANCE COMPANY | $12 | — | $12 | 0.80% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $41 | — | $41 | 2.99% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 303285805 | PACIFIC LIFE INSURANCE COMPANY | $28 | — | $28 | 2.04% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 15.05% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $31 | — | $31 | 4.66% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 303285805 | PACIFIC LIFE INSURANCE COMPANY | $20 | — | $20 | 3.01% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | 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 | — | $1.5M |
| USI INSURANCE SERVICES LLC EIN 13-3771734 BROKER | Other commissions Service code 55 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | $217K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Insurance services Service code 23 | — | $24K |
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 | 1,587 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,022 | $210K |
| Life insurance(10 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,537 | $2.9M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,537 | $2.2M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,315 | $1.5M |
| Other(17 contracts, 7 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,537 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,537 | — |
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.