| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2475 PIEDMONT ROAD NE STE 800 ALTANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $141K | $65K | $206K | 6.67% |
| USI INSURANCE SERVICES LLC | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | EXCEPTIONAL RISK ADVISORS | $69K | — | $69K | 13.22% |
| NATIONAL PLANNING CONSULTANTS INC Filed as: NATIONAL PLANNING CONSULTANTS, INC. | 375 NORTHRIDGE RD SUITE 515 ATLANTA, GA 30350 | EXCEPTIONAL RISK ADVISORS | $56K | — | $56K | 10.82% |
| THE DOWNEY GROUP INC3 Filed as: THE DOWNEY GROUP | PO BOX 1460 CHAMPAIGN, IL 61824 | PACIFIC LIFE INSURANCE COMPANY | $4K | — | $4K | 1.20% |
| LAWTON MACD NEASE III3 | 60 E 42ND ST FL 44 NEW YORK, NY 10165 | PACIFIC LIFE INSURANCE COMPANY | $2K | — | $2K | 0.80% |
| THE DOWNEY GROUP INC3 | PO BOX 1460 CHAMPAIGN, IL 61824 | PACIFIC LIFE INSURANCE COMPANY | $51K | — | $51K | 16.90% |
| LAWTON MACD NEASE III3 | 60 E 42ND ST FL 44 NEW YORK, NY 10165 | PACIFIC LIFE INSURANCE COMPANY | $34K | — | $34K | 11.27% |
| USI INSURANCE SERVICES LLC3 | 2475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $6K | $39K | 17.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | — | $4K | 2.11% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $537 | $1K | $2K | 1.30% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 0.12% |
| USI INSURANCE SERVICES LLC | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 6.76% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $446 | $3K | 4.34% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH, KENNETH, C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $391 | $391 | 0.62% |
| USI INSURANCE SERVICES LLC3 | STE 1002 SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89 | — | $89 | 0.14% |
| LISA MCDANIEL3 Filed as: LISA F MCDANIEL ET AL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 16.93% |
| GEORGE H REYNOLDS III3 | 6724 GREEN ISLAND DR COLUMBUS, GA 31904 | AFLAC | $8K | $119 | $8K | 15.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.20% |
| 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 | 2.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.07% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $223 | $302 | $525 | 3.82% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $6 | $46 | 0.33% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH, KENNETH, C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $9 | $17 | 0.12% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $377 | — | $377 | 6.74% |
| STEPHEN WHITE3 Filed as: STEPHEN P WHITE ET AL | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $391 | — | $391 | 13.27% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $17 | $54 | 2.08% |
| USI INSURANCE SERVICES LLC3 | STE 1002 7 E CONGRESS ST SAVANNAH, GA 31401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 1.08% |
| NATIONAL PLANNING CONSULTANTS INC3 | SUITE 101 3390 PEACHTREE ROAD NE ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $3 | $23 | 0.89% |
| YARBROUGH, KENNETH C3 Filed as: YARBROUGH, KENNETH, C | 3224 LANIER DRIVE ATLANTA, GA 30319 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3 | $3 | 0.12% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $2 | $5 | 2.96% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $7 | $16 | 25.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.6M |
| USI INSURANCE SERVICES LLC EIN 13-3771734 BROKER | Other commissions Service code 55 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | $197K |
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN SERVICE PROVIDER | Insurance services Service code 23 | — | $37K |
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 | 1,632 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,367 | $207K |
| Life insurance(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 1,639 | $3.9M |
| Long-term disability(11 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 1,639 | $4.0M |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,367 | $1.7M |
| Other(8 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 1,639 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,639 | — |
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.