| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 201503 DALLAS, TX 75320 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $33K | $33K | 5.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $0 | $15K | 11.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 301 EAST PINE STREET SUITE 240 ORLANDO, FL 32801 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $864 | $0 | $864 | 0.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 301 EAST PINE STREET, SUITE 240 ORLANDO, FL 32801 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $104 | $104 | 0.08% |
| REGINALD B RUSHIN3 | PO BOX 311441 ATLANTA, GA 31131 | AFLAC | $493 | $0 | $493 | 6.72% |
| DORIS L BRACKETT3 | 3233 HIGHGATE CHASE COURT BERKELEY LAKE, GA 30092 | AFLAC | $118 | $0 | $118 | 1.61% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD JR AND OTHER AGENTS | 1301 SHILOH ROAD NORTHWEST SUITE 1020 KENNESAW, GA 30144 | AFLAC | $60 | $0 | $60 | 0.82% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRAIL GAINESVILLE, GA 30506 | AFLAC | $40 | $0 | $40 | 0.54% |
| MELANIE BARRETT KING3 | 1321 GLEN CEDARS DRIVE MABLETON, GA 30126 | AFLAC | $27 | $0 | $27 | 0.37% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESA, GA 30156 | AFLAC | $25 | $0 | $25 | 0.34% |
| KIMBERLY ANN GARRISON3 | 3620 WHITING ROAD GAINESVILLE, GA 30504 | AFLAC | $22 | $0 | $22 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $30 | $0 | $30 | 2.99% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $23 | $0 | $23 | 2.29% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $20 | $0 | $20 | 1.99% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE CO | $10 | $0 | $10 | 1.00% |
No Schedule C service providers reported on this filing.
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $649K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $128K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $128K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $128K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $128K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $128K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $649K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.