| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW SUITE 100 ATLANTA, GA 30318 | UNITED HEALTHCARE INSURANCE COMPANY | — | $49K | $49K | 4.42% |
| JOHNSON AND BRYAN INC3 | 1575 NORTHSIDE DRIVE NW SUITE 100 ATLANTA, GA 30318 | UNITED HEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 0.84% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE SUITE 100 ATLANTA, GA 30318 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE BUILDING 100 SUITE 100 ATLANTA, GA 30318 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 11.95% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE SUITE 100 ATLANTA, GA 30318 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 14.26% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW SUITE 100 ATLANTA, GA 30318 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 40.61% |
| ASHFORD ADVISORS INC3 | ONE RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI INSURANCE SERVICES LLC EIN 13-3771734 BROKER | Insurance agents and brokers; Insurance services Service code 22 | — | $49K |
| JOHNSON AND BRYAN INC EIN 58-0832692 BROKER | Insurance agents and brokers; Insurance services Service code 22 | — | $9K |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 314 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $22K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 261 | $74K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 261 | $120K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 261 | $75K |
| Other | UNION SECURITY INSURANCE COMPANY | 261 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.