| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $44K | $44K | 5.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 999 3RD AVENUE, SUITE 4100 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $57 | $15K | 12.35% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.48% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.50% |
| KID INSURANCE BENEFITS INC3 Filed as: KID INSURANCE BENEFITS, INC. | 9085 BETHEL ROAD GAINDESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $94 | $516 | 3.10% |
| C ADAMS VOLK3 Filed as: C. ADAMS VOLK | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $211 | $20 | $231 | 1.39% |
| CAROL PURDY FIELDS3 Filed as: CAROL PURDY FIELDS AND OTHER AGENTS | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $13 | $189 | 1.13% |
| CHRISTIAN ANTHONY MALDONADO3 | 1745 HUNTINGTON HILL TRACE NE BUFORD, GA 30519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $140 | $0 | $140 | 0.84% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY, INC. | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $16 | $137 | 0.82% |
| VINSON K ELLENBERG3 Filed as: VINSON K. ELLENBERG | 905 ADAIR AVENUE NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $7 | $128 | 0.77% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $833K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $120K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $120K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $120K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $120K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $120K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $833K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.