| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2700 POST OAK BOULEVARD 25TH FLOOR HOUSTON, TX 77056 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $90K | $90K | 3.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 1.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 3.91% |
| EPIC3 | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 2.31% |
| BARDWELL BENEFITS LLC3 Filed as: BARDWELL BENEFITS, LLC | 1445 AVERY ROAD CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 7.64% |
| STEVEN MONEY3 Filed as: STEVEN D. MONEY | 225 WING MILL ROAD ATLANTA, GA 30350 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.56% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.71% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B. DUCKETT | 119 NORTHBRIDGE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $186 | $0 | $186 | 0.09% |
| ELENI A NIKOLAS3 Filed as: ELENI A. NIKOLAS | 3869 WINTERGREEN COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $166 | $0 | $166 | 0.08% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $4K | $18K | 9.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 2.15% |
| YVETTE MAYO4 | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 16.15% |
| JOHN R. MAYO4 | PO BOX 5025 WINTER PARK, FL 32793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $275 | $0 | $275 | 1.73% |
| VICKY METHVEN4 | 10917 NE 41ST DRIVE KIRKLAND, WA 98033 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $187 | $0 | $187 | 1.18% |
| MARTHA SHASTEEN4 | 520 CHAPMAN LANE MARIETTA, GA 30066 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $84 | $0 | $84 | 0.53% |
| SHERRY BRANDA4 | 29623 SKYMAC RANCH ROAD HEMPSTEAD, TX 77445 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | $0 | $26 | 0.16% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 505 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 304 | $230K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 304 | $230K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $184K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $184K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $184K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 505 | $2.3M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 431 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.