| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE SUITE 700 ATLANTA, GA 30328 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $46K | $0 | $46K | 4.51% |
| GEORGE LEE WASHINGTON3 | 2518 DULUTH HIGHWAY 120, SUITE 202 DULUTH, GA 30097 | AFLAC | $8K | $340 | $8K | 7.55% |
| PEARLEAN WASHINGTON3 | 2518 DULUTH HIGHWAY 120, SUITE 202 DULUTH, GA 30097 | AFLAC | $4K | $475 | $4K | 3.71% |
| JAMES DAVIS3 Filed as: JAMES E. DAVIS | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | AFLAC | $1K | $123 | $2K | 1.37% |
| MRS JACKSON BOYUM3 Filed as: MRS. JACKSON BOYUM AND OTHER AGENTS | 2040 SKYLAR LEIGH DRIVE BUFORD, GA 30518 | AFLAC | $1K | $39 | $2K | 1.35% |
| JUANDA L MAGWOOD WARE3 Filed as: JUANDA L. MAGWOOD WARE | 333 MCCOOK CIRCLE NW KENNESAW, GA 30144 | AFLAC | $1K | $171 | $1K | 1.24% |
| MYAN K. TURK3 | 5041 TOWER VIEW TRAIL SNELLVILLE, GA 30039 | AFLAC | $746 | $69 | $815 | 0.73% |
| MARIAN HORNE3 | 2008 SUMMERWALK PARKWAY TUCKER, GA 30084 | AFLAC | $406 | $0 | $406 | 0.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.53% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 229 | $1.0M |
| Dental | AFLAC | 76 | $112K |
| Vision | AFLAC | 76 | $112K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 147 | $147K |
| Short-term disability | AFLAC | 76 | $112K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 61 | $25K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 229 | $1.0M |
| Other(2 contracts, 2 carriers) | AFLAC | 147 | $147K |
| 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.