| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY NE SUITE 700 ATLANTA, GA 30328 | TOKIO MARINE HCC | $46K | $3K | $49K | 14.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 245 N WACO SUITE 412 WICHITA, KS 67202 | TOKIO MARINE HCC | — | $9K | $9K | 2.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SRVS LLC OF ATLANTA GA | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | BEAZLEY INSURANCE COMPANY INC | $40K | — | $40K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 1000 URBAN CENTER DR, STE 625 BIRMINGHAM, AL 35242 | NATIONAL GUARDIAN LIFE | $9K | — | $9K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 1715 N WESTSHORE BLVD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 17.89% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $11K | 17.33% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $886 | $7K | 17.33% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS BENEFITS INC DBA GBS BENEFITS | INS AGENCY 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 841152613 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $640 | $5K | 15.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | — | $580K |
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 | 879 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 881 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE | 661 | $89K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 883 | $68K |
| Short-term disability(3 contracts, 3 carriers) | BEAZLEY INSURANCE COMPANY INC | 942 | $377K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $176K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 845 | $337K |
| Other(2 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY INC | 942 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 942 | — |
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.