| 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 | $48K | — | $48K | 13.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | TOKIO MARINE HCC | — | $9K | $9K | 2.67% |
| 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 | $44K | — | $44K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 11.48% |
| USI INSURANCE SERVICES LLC3 | 1715 N WESTSHORE BLVD SUITE 700 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $15K | 18.59% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| 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 | $3K | — | $3K | 13.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | — | $616K |
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 | 920 | 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) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 739 | $89K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 834 | $59K |
| Short-term disability(3 contracts, 3 carriers) | BEAZLEY INSURANCE COMPANY INC | 1,013 | $396K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $167K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 908 | $351K |
| Other(2 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY INC | 1,013 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,013 | — |
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.