| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $38K | $45K | 5.32% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $178 | $178 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 17.65% |
| REGINALD B RUSHIN Filed as: REGINALD B. RUSHIN | PO BOX 310232 ATLANTA, GA 31131 | AFLAC | $153 | $0 | $153 | 7.28% |
| DORIS L BRACKETT3 Filed as: DORIS L. BRACKETT | 3233 HIGHGATE CHASE COURT BERKELEY LAKE, GA 30092 | AFLAC | $35 | $0 | $35 | 1.66% |
| MELANIE BARRETT KING3 | 1321 GLEN CEDARS DRIVE MABLETON, GA 30126 | AFLAC | $27 | $0 | $27 | 1.28% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $11 | $0 | $11 | 0.52% |
| ROOSEVELT M. SNOWDEN SR3 | 160 LEIGH LANE TYRONE, GA 30290 | AFLAC | $8 | $0 | $8 | 0.38% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR AND OTHER AGENTS | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $8 | $0 | $8 | 0.38% |
| MARY B MCKINNEY3 Filed as: MARY B. MCKINNEY | 3915 CASCADE ROAD SW, SUITE T93 ATLANTA, GA 30331 | AFLAC | $7 | $0 | $7 | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 5.66% |
| KID INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, FL 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 3.77% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 3.77% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 1.89% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $844K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $844K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $844K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $53K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $53K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $53K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 269 | $844K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.