| 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 | $10K | $4K | $13K | 7.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $10K | $22K | 16.73% |
| GREEN LINE BENEFITS3 | 5150 TAMIAMI TRAIL NORTH NAPLES, FL 34103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.09% |
| BENSON BLACKBURN, LLC3 Filed as: BENSON BLACKBURN LLC | 5150 TAMIAMI TRAIL NORTH SUITE 501 NAPLES, FL 34103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $583 | $87 | $670 | 0.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.01% |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 351 | $192K |
| Vision | VISION SERVICE PLAN | 331 | $55K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 488 | $74K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 513 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.