| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201503 DALLAS, TX 75320 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $37K | $37K | 5.70% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 12.49% |
| REGINALD B RUSHIN3 Filed as: REGINALD B. RUSHIN | PO BOX 310232 ATLANTA, GA 31131 | AFLAC | $281 | $0 | $281 | 7.77% |
| DORIS L BRACKETT3 Filed as: DORIS L. BRACKETT | 3233 HIGHGATE CHASE COURT BERKELEY LAKE, GA 30092 | AFLAC | $57 | $0 | $57 | 1.58% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR AND OTHER AGENTS | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $36 | $0 | $36 | 1.00% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRAIL GAINESVILLE, GA 30506 | AFLAC | $25 | $0 | $25 | 0.69% |
| MELANIE BARRETT KING3 | 1321 GLEN CEDARS DRIVE MABLETON, GA 30126 | AFLAC | $22 | $0 | $22 | 0.61% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $18 | $0 | $18 | 0.50% |
| KIMBERLY ANN GARRISON3 | 4437 CLUBSIDE DRIVE GAINESVILLE, GA 30504 | AFLAC | $14 | $0 | $14 | 0.39% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 4.00% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 2.13% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 1.87% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 1.07% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 124 | $649K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $145K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $145K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $145K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $145K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $145K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 124 | $649K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.