| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $44K | — | $44K | 2.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $4K | $16K | 3.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $4K | $23K | 5.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $769 | $769 | 0.80% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC. | 5775 E. GLENRIDGE DR. SUITE 500 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41K | $7K | $48K | 69.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD. NE SUITE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $422 | $5K | 7.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NA | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $202 | $1K | 5.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD., STE. 800 ATLANTA, GA 30305 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,307 | $1.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 971 | $52K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $398K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $406K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,307 | $1.5M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 556 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,307 | — |
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."
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.