| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $13K | $42K | 18.35% |
| SHEALY BENEFITS SERVICES INC5 Filed as: SHEALY BENEFITS SERVICES | 215 HOGAN WAY LEXINGTON, SC 29072 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.64% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE CORAL GABLES, FL 33134 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $127 | $9K | 7.83% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BNFTS. SYSTEM INC & AGENTS | 145 RIVER LANDING DRIVE, UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $677 | $6K | 4.88% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $11 | $4K | 3.08% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B & B INSURANCE SOLUTIONS, INC. | 12002 SW 128TH COURT MIAMI, FL 33186 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $894 | $2K | 1.95% |
| WORLD PRIME SOLUTIONS3 | 7000 NOVA DRIVE, APARTMENT 203 DAVIE, FL 33317 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $173 | $1K | 1.20% |
| THE CLARK GROUP OF SC3 Filed as: THE CLARK GROUP OF SOUTH CAROLINA | 898 ROPER ROAD LAURENS, SC 29360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $890 | $58 | $948 | 0.82% |
| ELIZABETH SANGUILY3 | 8421 SW 124TH AVENUE, APARTMENT 103 MIAMI, FL 33183 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $741 | $83 | $824 | 0.72% |
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 | 717 | 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) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 717 | $229K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 717 | $229K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 717 | $229K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 717 | $229K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 717 | $229K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 717 | $344K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.