| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131K | $49K | $180K | 6.34% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $5K | — | $5K | 1.20% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 303285805 | PACIFIC LIFE INSURANCE COMPANY | $3K | — | $3K | 0.80% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 618241460 | PACIFIC LIFE INSURANCE COMPANY | $31K | — | $31K | 9.64% |
| LAWTON MACD NEASE III3 | 2000 RIVEREDGE PKWY STE 700 ATLANTA, GA 303285805 | PACIFIC LIFE INSURANCE COMPANY | $21K | — | $21K | 6.43% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $5K | $38K | 17.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | VISION SERVICE PLAN | $4K | — | $4K | 2.08% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $5K | $8K | 5.61% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $522 | $4K | 2.61% |
| KENNETH C YARBROUGH3 Filed as: KENNETH YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $684 | $684 | 0.45% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.11% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $52 | — | $52 | 0.04% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $198 | $4K | 4.92% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $497 | $4K | 4.77% |
| KENNETH C YARBROUGH3 Filed as: KENNETH YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $778 | $778 | 0.99% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.11% |
| LONGMONT GROUP INC DBA THE PADON CO3 | 5321 LONGMONT DR HOUSTON, TX 77056 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H REYNOLDS III ET AL | 6724 GREEN ISLAND DR COLUMBUS, GA 31904 | AFLAC | $9K | $68 | $9K | 14.59% |
| 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 | 2.47% |
| LISA MCDANIEL3 Filed as: LISA MCDANIEL ET AL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.53% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $649 | $3K | 16.85% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $220 | $150 | $370 | 2.39% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $3 | $47 | 0.30% |
| KENNETH C YARBROUGH3 Filed as: KENNETH YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | $715 | — | $715 | 9.75% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $408 | — | $408 | 7.02% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE ET AL | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $415 | — | $415 | 11.53% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $17 | $68 | 2.53% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $2 | $30 | 1.12% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 1.04% |
| KENNETH C YARBROUGH3 Filed as: KENNETH YARBROUGH | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6 | $6 | 0.22% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $104 | $8 | $112 | 16.21% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 2.96% |
| 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 | — | $36K |
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 | 1,604 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,355 | $186K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,599 | $3.8M |
| Long-term disability(10 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,599 | $3.2M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 1,355 | $1.5M |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,599 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,599 | — |
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.