| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $70K | $75K | 5.20% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.19% |
| USI INSURANCE SERVICES LLC3 | 2475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 0.10% |
| SANDRA L SIEBERT3 Filed as: SANDRA L. SIEBERT | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $489 | $0 | $489 | 5.49% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW BUILDING 100, SUITE 100 ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $453 | $0 | $453 | 5.09% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $377 | $0 | $377 | 4.23% |
| ANN BLAKE BOSWELL3 Filed as: ANN B. BOSWELL | 5300 OAKBROOK PARKWAY NORCROSS, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | $0 | $181 | 2.03% |
| ANDREW D KOWN3 Filed as: ANDREW D. KOWN | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.81% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW, JR. | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.44% |
| FRAN C HARGARTEN III3 Filed as: FRAN C. HARGARTEN, III | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | $0 | $39 | 0.44% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $1.4M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 16 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.