| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES LLC MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 17.24% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: WELLS FARGO INS SERVICES | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.35% |
| THE CASON GROUP INC Filed as: THE CASON GROUP | 1612 MARION ST COLUMBIA, SC 29201 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 3.91% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD. SUITE 1400 CHARLOTTE, NC 28210 | COMPANION LIFE INSURANCE COMPANY | $930 | — | $930 | 1.90% |
| USI INSURANCE SERVICES LLC | 220 NORTH MAIN STREET #500 GREENVILLE, SC 29601 | EYEMED VISION CARE | $511 | — | $511 | 7.01% |
| USI INSURANCE SERVICES LLC | PO BOX 16748 GREENVILLE, SC 29606 | EYEMED VISION CARE | $500 | — | $500 | 6.86% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECHOICE HEALTHPLAN | 82 | $1.0M |
| Dental | COMPANION LIFE INSURANCE COMPANY | 80 | $49K |
| Vision | EYEMED VISION CARE | 95 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $60K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.