| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $0 | $29K | 5.25% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 11.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $716 | $6K | 10.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $877 | $0 | $877 | 5.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $858 | $0 | $858 | 6.50% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 3.37% |
| GARY S. DUNCAN3 | 2209 LINDEN AVENUE MIDDLETOWN, OH 45044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 1.53% |
| BROOKS FINANCIAL GROUP, INC.3 Filed as: BROOKS FINANCIAL GROUP INC | 1020 CROMWELL BRIDGE ROAD TOWSON, MD 21286 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.80% |
| WILLIAM T. DUNCAN3 | 2209 LINDEN AVENUE MIDDLETOWN, OH 45044 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.49% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELDRIDGE, MD 21075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.40% |
| DAVID L SMELCER3 Filed as: DAVID LEE SMELCER | PO BOX 279 MAUMEE, OH 43537 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.28% |
| DICE INSURANCE INC3 | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.12% |
| BERNARD L JESSUP III3 Filed as: BERNARD L. JESSUP III | 44 KULLEN DRIVE NEWARK, DE 19713 | AFLAC | $62 | $0 | $62 | 6.40% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $34 | $0 | $34 | 3.51% |
| CHRIS WALKER3 | 2035 LIAMARIE WAY WINTER HAVEN, FL 33884 | AFLAC | $17 | $0 | $17 | 1.76% |
| KENNETH B COFER3 Filed as: KENNETH B. COFER | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $10 | $0 | $10 | 1.03% |
| JAMES M PITZ3 Filed as: JAMES M. PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | $0 | $2 | 0.21% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $558K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 112 | $62K |
| Vision | VISION SERVICE PLAN | 92 | $13K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $80K |
| Short-term disability | AFLAC | 2 | $968 |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $77K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $558K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.