| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $699 | $38K | 11.28% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW BUILDING 100 ATLANTA, GA 30318 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $14K | 16.03% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $510 | $0 | $510 | 8.65% |
| JOHNSON AND BRYAN INC3 Filed as: JOHNSON AND BRYAN, INC. | 1575 NORTHSIDE DRIVE, SUITE 100 ATLANTA, GA 30318 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | $76 | $0 | $76 | 1.29% |
| NORTHWESTERN BEN CORP OF GA3 | 3438 PEACHTREE ROAD NE ATLANTA, GA 30326 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $105 | $0 | $105 | 3.01% |
| R J K & ASSOCIATES INC3 Filed as: R J K AND ASSOCIATES, INC. | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $47 | $87 | 2.49% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 1.83% |
| B V STONE INC3 Filed as: B V STONE, INC. | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 1.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 20138 ATLANTA, GA 30325 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $2 | $52 | 1.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY BROWN-OVERDYKE AND AGENTS | 1226 DUNWOODY LANE NE BROOKHAVEN, GA 30319 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $1 | $45 | 1.29% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS, INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 1.03% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 82 | $334K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $86K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE | 90 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $86K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $86K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $86K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $421K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.