| 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 | $32K | $248 | $33K | 4.79% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | HUMANA INSURANCE COMPANY | $5K | $0 | $5K | 10.92% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN MINNEAPOLIS, MN 55485 | MONY LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.61% |
| USI INSURANCE SERVICES LLC3 | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 16.31% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 14.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203066 DALLAS, TX 75320 | STANDARD INSURANCE COMPANY | $0 | $164 | $164 | 0.98% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $681K |
| Dental | HUMANA INSURANCE COMPANY | 64 | $45K |
| Vision | HUMANA INSURANCE COMPANY | 64 | $45K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 110 | $38K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $37K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $37K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 126 | $681K |
| Other(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 110 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.