| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 999 3RD AVENUE, SUITE 4100 SEATTE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $27 | $12K | 11.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 20.02% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, LTD | 9085 BETHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 10.67% |
| MJ INSURANCE3 Filed as: VINSON ELLENBERG AND VARIOUS AGENTS | 905 ADAIR AVENUE NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $487 | $2K | 7.03% |
| C MARIE ADAMS VOLK3 Filed as: C. MARIE ADAMS VOLK | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $800 | $685 | $1K | 5.78% |
| DORIS REBECCA BOWDEN3 | 400 VILLAGE PARKWAY ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $539 | $763 | $1K | 5.07% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY, INC. | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $696 | $156 | $852 | 3.32% |
| CHRISTIAN ANTHONY MALDONADO3 | 1745 HUNTINGTON HILL TRACE NE BUFORD, GA 30519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $148 | $17 | $165 | 0.64% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $564K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $102K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $102K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $102K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $102K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 177 | $538K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
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.