| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 11.25% |
| BENEFIT ANALYSTS INC3 Filed as: BENEFIT ANALYSTS, INC. | PO BOX 6253 MACON, GA 31208 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.40% |
| ANN BLAKE BOSWELL3 | 3250 BUFORD HIGHWAY, APARTMENT 1302 DULUTH, GA 30096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 14.95% |
| ALICIA B CLIFTON3 Filed as: ALICIA BEAZLEY CLIFTON | 1715 SPARTAN LANE HOSCHTON, GA 30548 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.65% |
| CHRISTOPHER E FISCHER3 Filed as: CHRISTOPHER EUGENE FISCHER | 35035 NORTH NORTH VALLEY PARKWAY APARTMENT 132A PHOENIX, AZ 85086 | CONTINENTAL AMERICAN INSURANCE COMPANY | $808 | $0 | $808 | 1.10% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE MARIE SINTAY | 800 SCOTIA DRIVE, SUITE 205 HYPOLUXO, FL 33462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $542 | $0 | $542 | 0.74% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW, JR | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $488 | $0 | $488 | 0.66% |
| SCOTT A SMITH3 Filed as: SCOTT ALLEN SMITH | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157 | $0 | $157 | 0.21% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 10.00% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 459 | $29K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $309K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $309K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
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.