| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $76K | $82K | 4.80% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $847 | $847 | 0.05% |
| SANDRA L SIEBERT3 Filed as: SANDRA L. SIEBERT | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | $0 | $250 | 3.40% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW, SUITE 100 BUILDING 100 ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | $0 | $238 | 3.23% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | $0 | $195 | 2.65% |
| ANN BLAKE BOSWELL3 Filed as: ANN B. BOSWELL | 5300 OAKBROOK PARKWAY NORCROSS, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 1.21% |
| ANDREW D KOWN3 Filed as: ANDREW D. KOWN | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.52% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW, JR. | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.31% |
| FRAN C HARGARTEN III3 Filed as: FRAN C. HARGARTEN, III | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.30% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.7M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 257 | $1.7M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 109 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.