| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 3.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $20K | $20K | 2.79% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $261 | $4K | 0.55% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 11.76% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE RALEIGH, NC 27615 | UNITED AMERICAN INSURANCE COMPANY | $18K | — | $18K | 5.88% |
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O STREET LINCOLN, NE 68510 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 5.00% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $7K | $584 | $8K | 10.56% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 5.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $0 | $755 | $755 | 1.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | $0 | $4K | 10.80% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 131 HILLSIDE AVENUE CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $690 | $12K | 38.85% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $158 | $6K | 20.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $301 | $301 | 0.98% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | FEDERAL INSURANCE COMPANY | $225 | $16 | $241 | 16.07% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 162 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 172 | $299K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 288 | $105K |
| Vision | VISION SERVICE PLAN | 346 | $41K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $745K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $715K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 485 | $715K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 486 | $788K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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.