| 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 | $214K | $0 | $214K | 19.92% |
| NATIONAL BENEFITS GRP OF AMER. INC.3 | 3820 NORTHDALE BOULEVARD SUITE 103 TAMPA, FL 33624 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $500 | $8K | 4.42% |
| BROGAN, DAVID, DEWAYNE3 | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 2.95% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $328 | $5K | 2.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.19% |
| NATIONAL BENEFITS GRP OF AMER. INC.3 | 3820 NORTHDALE BOULEVARD SUITE 103 TAMPA, FL 33624 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244 | $0 | $244 | 5.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3727 NORFOLK, VA 23514 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | $0 | $134 | 3.05% |
| BROGAN, DAVID, DEWAYNE3 | 3102 WEST WATERS AVENUE, SUITE 103 TAMPA, FL 33614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69 | $0 | $69 | 1.57% |
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 | 886 | 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) | 886 | 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 | 886 | $1.2M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 886 | $1.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 886 | $1.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 886 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.