| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 11.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.27% |
| INTEGRATED EMPLOYEE BENEFIT SOLUTIO3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $273 | $9K | 20.05% |
| USI INSURANCE SERVICES LLC3 | 312 ELMS STREET CINCINNATI, OH 45202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $245 | $6K | 13.43% |
| KJELL T TERRELL3 | 327 GOLF COURSE DRIVE RALEIGH, NC 27610 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $239 | $2K | 3.50% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $729 | $44 | $773 | 1.80% |
| MARK CHRISTOPHER MOTZ3 | 85 EPERNAY AVENUE PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $461 | $87 | $548 | 1.28% |
| ALDEN D MCGEE3 Filed as: ALDEN D MCGREE | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $93 | $421 | 0.98% |
| LYNN GARRETT3 Filed as: LYNN C GARRETT | 900 CAROLINA AVENUE DURHAM, NC 27705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $418 | $2 | $420 | 0.98% |
| SHERRIE LYNN BUCHANAN3 | 815 SAVANNAH DRIVE COLUMBUS, OH 43228 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $339 | $73 | $412 | 0.96% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $157 | $85 | $242 | 0.56% |
| JENNA KAY SCOTT3 | PO BOX 232 ARKADELPHIA, AR 71923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.55% |
| HOWARD MESZAROS3 | 8680 COLVIN DRIVE PLAIN CITY, OH 43064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $145 | — | $145 | 0.34% |
| NEIL ANTHONY LIVINGSTON3 | 163 OAKLAND STREET MANCHESTER, CT 06042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $127 | $2 | $129 | 0.30% |
| JENNIFER LOEFFLER3 | 4455 MASON ROAD CANAL WINCHESTER, OH 43110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $38 | $57 | 0.13% |
| CHRISTINA MARIE KONCZESKI3 | 648 SOUTH STREET APARTMENT 2 BOSTON, MA 02131 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $46 | — | $46 | 0.11% |
| JASON HARTMAN3 Filed as: JASON C SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.09% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 682 VALLEY VIEW ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $14 | $29 | 0.07% |
| CURTIS LARSON3 Filed as: CURTIS D EPP | 420 BIRCHTREE VALLEY COURT FUQUAY-VARINA, NC 27526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $8 | $26 | 0.06% |
| INSYNC BENEFITS INC3 | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $5 | $23 | 0.05% |
| DAMON FRANCIS3 | 2042 ELAINE CIRCLE ARKADELPHIA, AR 71923 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $12 | $20 | 0.05% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $12 | $20 | 0.05% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $9 | $18 | 0.04% |
| JOSEPH P CROTTY3 | PO BOX 3124 DUBLIN, OH 43016 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| GERALD MORRISON MCGEE JR3 | 3657 RICHMOND STREET JACKSONVILLE, FL 32205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| PHYLLIS DUNN3 | 14 NUHFER DRIVE COLUMBIA, CT 06237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $5 | $14 | 0.03% |
| LISA R CANFIELD3 | 324 STRAW COURT PATASKALA, OH 43062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $1 | $11 | 0.03% |
| SONYA L KINCH3 | 470 PLEASANT STREET NORWOOD, MA 02062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $4 | $8 | 0.02% |
| DAVID L FLEURY3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.02% |
| CHARLES W JINRIGHT3 | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MICHAEL G. HICKS3 Filed as: MICHAEL G HICKS | PO BOX 240518 MONTGOMERY, AL 36124 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 5880 VENTURE DRIVE SUITE D DUBLIN, OH 43017 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $605 | — | $605 | 1.69% |
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 | 374 | 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) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 484 | $36K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $96K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 85 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $63K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 313 | $598K |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 375 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.