| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $15K | $42K | 3.21% |
| DAVID DEWAYNE BROGAN3 Filed as: DAVID DEWAYNE BROGRAN | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 1.23% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 0.94% |
| USI INSURANCE SERVICES LLC3 | 320 FEDERAL STREET PO BOX 1439 BLUEFIELD, WV 24701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$280 | -$18 | -$298 | -0.02% |
| DAVID DEWAYNE BROGAN3 | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $0 | $39K | 9.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $1K | $23K | 5.75% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $4K | $15K | 3.67% |
| USI INSURANCE SERVICES LLC3 | 320 FEDERAL STREET BLUEFIELD, WV 24701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | -$284 | -$10 | -$294 | -0.07% |
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 | 1,075 | 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) | 1,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,305 | $1.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,075 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,075 | $1.3M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,305 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,305 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.