| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $321K | $0 | $321K | 22.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $78K | $78K | 5.42% |
| BROGAN, DAVID, DEWAYNE3 Filed as: BROGAN, DAVD, DEWAYNE | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $0 | $21K | 8.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $289 | $7K | 2.94% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BOULEVARD, SUITE 103 TAMPA, FL 33624 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $5K | 1.96% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $310 | $5K | 1.94% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 1439 BLUEFIELD, WV 24701 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $206 | $5 | $211 | 0.09% |
| USI INSURANCE SERVICES LLC3 | 191 COURT STREET, 1ST FLOOR SUITE B ABINGDON, VA 24212 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| BROGAN, DAVID, DEWAYNE3 Filed as: BROGAN, DAVD, DEWAYNE | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $163 | $3K | 7.46% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 3820 NORTHDALE BOULEVARD, SUITE 103 TAMPA, FL 33624 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $360 | $2K | 5.14% |
| USI INSURANCE SERVICES LLC3 | 191 COURT STREET, 1ST FLOOR SUITE B ABINGDON, VA 24212 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.00% |
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 | 1,271 | 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) | 1,271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,271 | $1.7M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 925 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 925 | $1.4M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,271 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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.