| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN R. MIRACLE3 Filed as: MARTIN R MIRACLE | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $346K | $0 | $346K | 6.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $50K | $50K | 0.97% |
| MARTIN R. MIRACLE3 Filed as: MARTIN R MIRACLE | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $215K | $0 | $215K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 0.58% |
| MARTIN R. MIRACLE3 Filed as: MARTIN R MIRACLE | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 7.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 2.31% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM - PROVIDENT LIFE AND ACCIDENT INSURANCE COPANY | $28K | $1K | $29K | 19.09% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM INSURANCE COMPANY | $19K | $2K | $21K | 20.40% |
| OPTAVISE, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | UNUM INSURANCE COMPANY | $13K | $950 | $14K | 22.40% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
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 | 22,631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,331 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 25,962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22,631 | $5.7M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16,683 | $4.3M |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 22,631 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,631 | — |
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.