| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $40K | $578 | $41K | 14.44% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $12K | $0 | $12K | 4.25% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | USABLE LIFE | $11K | $0 | $11K | 3.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 19.67% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICE, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 9.87% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 2000 CHAPEL VIEW ROAD, SUITE 240 CRANSTON, RI 02920 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 4.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 4.23% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 SOUTH MOUNT JULIET ROAD PMB 118 MOUNT JULIET, TN 37122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $219 | $0 | $219 | 0.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 16.25% |
| RUTH A ANDERSON4 Filed as: RUTH A. ANDERSON | 331 SOUTH FAYETTEVILLE STREET CLAYTON, NC 27520 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $947 | $0 | $947 | 10.78% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $231 | $0 | $231 | 2.63% |
| EMPLOYEE BENEFIT SERVICES4 Filed as: EMPLOYEE BENEFIT ADVISORS | 7621 LITTLE AVENUE, SUITE 113 CHARLOTTE, NC 28226 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $76 | $0 | $76 | 0.87% |
| SDM&R, INC DBA SENN DUNN INSURANCE4 Filed as: SDM&R, INC. | PO BOX 9375 GREENSBORO, NC 27429 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | $0 | $34 | 0.39% |
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 | 386 | 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) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | USABLE LIFE | 386 | $284K |
| Long-term disability | USABLE LIFE | 386 | $284K |
| Other(5 contracts, 4 carriers) | USABLE LIFE | 386 | $397K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.