| 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 | $43K | — | $43K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | TOKIO MARINE HCC | — | $16K | $16K | 3.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC OF ATLAN | 1 CONCOURSE PKWY ATLANTA, GA 30328 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $43K | — | $43K | 15.00% |
| ADMINISTRATIVE CONCEPTS INC3 Filed as: ADMINISTRATIVE CONCEPTS, INC | 7515 W 17TH AVE, LAKEWOOD, CO 80214 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $17K | — | $17K | 5.99% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC DB | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $5K | $5K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 11.99% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW D.STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64K | — | $64K | 42.25% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 22.90% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC DB | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 12.00% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW D.STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $55K | — | $55K | 42.62% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 22.75% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC DB | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| USI INSURANCE SERVICES LLC3 | 1 CONSOURSE PKWY STE 700 ATLANTA, GA 303283128 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.42% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.00% |
| BENEFIT TECHNOLOGY RESOURCES3 Filed as: BENEFIT TECHNOLOGY RESOURCES LLC DB | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY SUITE 700 ATLANTA, GA 30328 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT TECHNLOGY RESOURCES LLC DBA3 | 6230 FAIRVIEW ROAD STE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $411 | $411 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMINISTRATOR | Claims processing Service code 12 | — | $688K |
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 | 984 | 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) | 987 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,755 | $76K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,351 | $336K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,167 | $227K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 595 | $125K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 960 | $431K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,351 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,755 | — |
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.
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.