| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 3.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 2400 EAST COMMERICAL BOULEVARD FT. LAUDERDALE, FL 33308 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 1.90% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS | 215 HOGAN WAY LEXINGTON, SC 29072 | STANDARD INSURANCE COMPANY | $0 | $365 | $365 | 0.28% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $2K | $2K | 3.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 2400 EAST COMMERCIAL BOULEVARD FT. LAUDERDALE, FL 33308 | STANDARD INSURANCE COMPANY | $0 | $703 | $703 | 1.45% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS | 215 HOGAN WAY LEXINGTON, SC 29072 | STANDARD INSURANCE COMPANY | $0 | $144 | $144 | 0.30% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD FORT LAUDERDALE, FL 33308 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 20.70% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $938 | $938 | 4.10% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS | 215 HOGAN WAY LEXINGTON, SC 29072 | STANDARD INSURANCE COMPANY | $0 | $89 | $89 | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER, INC. | 3931 SOUTH DIXIE DRIVE DAYTON, OH 45439 | STANDARD INSURANCE COMPANY | $69 | — | $69 | 0.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 2400 EAST COMMERCIAL BOULEVARD FT. LAUDERDALE, FL 33308 | STANDARD INSURANCE COMPANY | $0 | $627 | $627 | 3.22% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 830272 PHILADELPHIA, PA 19182 | STANDARD INSURANCE COMPANY | $0 | $562 | $562 | 2.89% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS | 215 HOGAN AWY LEXINGTON, SC 29072 | STANDARD INSURANCE COMPANY | $0 | $54 | $54 | 0.28% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 160 | $539K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $112K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $112K |
| Life insurance | STANDARD INSURANCE COMPANY | 161 | $131K |
| Short-term disability | STANDARD INSURANCE COMPANY | 60 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 161 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.