| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $518K | $328K | $847K | 12.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $103K | $22K | $126K | 1.89% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | STANDARD INSURANCE COMPANY | $0 | $98K | $98K | 1.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $35K | $0 | $35K | 4.58% |
| TAMMY L. DAVIS4 | 3534 PRINCE ROAD AUGUSTA, GA 30906 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 5.16% |
| J KEEBS & ASSOCIATES4 Filed as: J. KEEBS AND ASSOCIATES | 11184 BIG CANOE JASPER, GA 30143 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 3.80% |
| GEORGE T. WALKER, JR.4 | 644 MORGANS TERRACE ELLENWOOD, GA 30294 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $61 | $0 | $61 | 0.12% |
| USI INSURANCE SERVICES LLC4 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $51 | $0 | $51 | 0.10% |
| SANDY D. WASHINGTON4 | 707 RIVER MIST DRIVE OXON HILL, MD 20745 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $49 | $0 | $49 | 0.10% |
| REGINALD SHELTON4 | 2165 PLEASANT HILL ROAD COLLEGE PARK, GA 30349 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.06% |
| TAMMI R. BARNETT4 | 260 HIDDEN LAKE DRIVE FAYETTEVILLE, GA 30215 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.06% |
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 | 7,983 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 397 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 4,300 | $502K |
| Vision | VISION SERVICE PLAN | 5,168 | $761K |
| Life insurance | STANDARD INSURANCE COMPANY | 8,200 | $6.7M |
| Short-term disability | STANDARD INSURANCE COMPANY | 8,200 | $6.7M |
| Long-term disability | STANDARD INSURANCE COMPANY | 8,200 | $6.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 8,200 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,200 | — |
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.