| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $135K | $158K | $294K | 9.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | PRINCIPAL LIFE INSURANCE COMPANY | $121K | — | $121K | 5.00% |
| EOI SERVICE COMPANY INC3 | STE 400 1820 E 1ST ST. SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $139K | $6K | $145K | 10.68% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85K | $3K | $87K | 6.41% |
| AON CONSULTING INC3 Filed as: BSWIFT | STE 1100 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 0.53% |
| EOI SERVICE COMPANY INC3 | STE 400 1820 E 1ST ST. SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42K | $1K | $43K | 6.22% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35K | $565 | $35K | 5.12% |
| EOI SERVICE COMPANY INC3 | 900 N FRANKLIN ST STE 600 CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 6.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 6.30% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | STE 400 1820 E 1ST ST SANTA ANA, CA 92705 | COMBINED INSURANCE | $158K | — | $158K | 62.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | COMBINED INSURANCE | $16K | — | $16K | 6.34% |
| KATHLEEN E MCCREARY4 | 115 E MECHANIC ST APT 7 EATON, OH 45320 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 6.84% |
| WENDELL W BECULHEIMER4 | 116 CEDAR ST FRANKLIN, OH 45005 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 6.84% |
| CAROL PURDY FIELDS4 Filed as: CAROL CLINTON SMITH MARITAL TRUST | 3317 WAUWINET WAY NORMAN, OK 73071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $861 | — | $861 | 0.96% |
| THE LITTLE GORUP LLC4 | 5017 NEW TRENTON RD WEST HARRISON, NJ 47060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $720 | — | $720 | 0.80% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $231 | $2K | 17.17% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $347 | $415 | 14.77% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 1.14% |
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 | 10,304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,881 | $323K |
| Vision | VISION SERVICE PLAN | 6,872 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,450 | $3.2M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 8,452 | $2.4M |
| Other(6 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,450 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,450 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.