| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.66% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ EMPLOYEE BENEFITS | PO BOX 632886 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 15.01% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES Filed as: CBIZ EMPLOYEE BENEFITS | 3625 CUMBERLAND BOULEVARD SE SUITE 1100 ATLANTA, GA 30339 | SUPERIOR VISION PLAN | $1K | — | $1K | 5.00% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | SUPERIOR VISION PLAN | 168 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $80K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 330 | $116K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 330 | $116K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INS CO | 148 | $491K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.