| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $83K | $14K | $96K | 15.03% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32K | $0 | $32K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COMBINED INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 19.96% |
| BENEFITS ALL INSURANCE, LLC3 | UNKNOWN NORCROSS, GA 30093 | COMBINED INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.14% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.08% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 115 | $602K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $642K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $642K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $642K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $642K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 340 | $642K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 115 | $602K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $742K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.