| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY (G1728) | $12K | $1K | $13K | 1.38% |
| COMMUNITY INSURANCE COMPANY | — | COMMUNITY INSURANCE COMPANY (G1728) | — | $13K | $13K | 1.34% |
| INGENIORX, INC. Filed as: INGENIORX, INC | — | COMMUNITY INSURANCE COMPANY (G1728) | — | $3K | $3K | 0.37% |
| CARELONRX, INC | — | COMMUNITY INSURANCE COMPANY (G1728) | — | $1K | $1K | 0.14% |
| LINDSEY BUSINESS GROUP, LLC Filed as: LINDSEY BUSINESS GROUP LLC | — | COMMUNITY INSURANCE COMPANY (G1728) | $54 | — | $54 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY (G1728) | $3K | $42 | $3K | 4.25% |
| LINDSEY BUSINESS GROUP, LLC Filed as: LINDSEY BUSINESS GROUP LLC | — | COMMUNITY INSURANCE COMPANY (G1728) | $264 | — | $264 | 0.41% |
| MARK J PORTER3 | 8632 N DIXIE DRIVE DAYTON, OH 45414 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.47% |
| LINDSEY BUSINESS GROUP, LLC | 5180 PARSKTONE DRIVE SUITE 240 CHANTILLY, VA 20151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $953 | — | $953 | 2.68% |
| NYLIFE SECURITIES LLC3 Filed as: NYLIFE SECURITIES | 51 MADISON AVE, ROOM 251 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $183 | $183 | 0.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY (G1728) | — | — | $0 | 0.00% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 67 | $953K |
| Dental | COMMUNITY INSURANCE COMPANY (G1728) | 76 | $64K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 68 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $36K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $36K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 142 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.