| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW, SUITE 100 ATLANTA, GA 30318 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $52K | $55K | 3.61% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $17K | $18K | 1.20% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 30.80% |
| SANDRA L SIEBERT3 Filed as: SANDRA L. SIEBERT | 6070 TANGLETREE DRIVE ROSWELLK, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 18.52% |
| ANN BLAKE BOSWELL3 Filed as: ANN B. BOSWELL | 5300 OAKBROOK PARKWAY NORCROSS, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $666 | $0 | $666 | 9.74% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M WARDLAW, JR. | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | $0 | $183 | 2.68% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 248 | $1.5M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 16 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.