| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $103K | $106K | 2.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.08% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $6K | $26K | 4.55% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $614 | $7K | 1.25% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET WINSTON SALEM, NC 27150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 0.97% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | EXPRESS SCRIPTS, INC. | $19K | $0 | $19K | 4.10% |
| USI INSURANCE SERVICES LLC5 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | EXPRESS SCRIPTS, INC. | $11K | $0 | $11K | 2.46% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 11.76% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | UNITED AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 5.88% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | AMERITAS LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.16% |
| USI INSURANCE SERVICES LLC5 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | AMERITAS LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.11% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $7K | $551 | $7K | 10.56% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | UNUM INSURANCE COMPANY | $4K | $241 | $4K | 5.61% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET WINSTON SALEM, NC 27150 | UNUM INSURANCE COMPANY | $0 | $350 | $350 | 0.52% |
| IBENEFIT COMMUNICATION LLC3 | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $199 | $3K | 15.93% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $151 | $2K | 8.80% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | FEDERAL INSURANCE COMPANY | $225 | $4 | $229 | 15.27% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 187 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 638 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 354 | $4.8M |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 133 | $101K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 354 | $4.6M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $600K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $580K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $580K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 354 | $5.0M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 451 | $650K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.