| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22K | $1K | $23K | 7.07% |
| CARMEN CUTRONE3 | 122 RIVERSIDE DRIVE PORTSMOUTH, VA 23707 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $1K | $18K | 5.39% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT, INC. | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 3.15% |
| ARTHUR WAYNE JORDAN JR3 Filed as: ARTHUR WAYNE JORDAN, JR. | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 1.85% |
| SUZANNE R BROSEMER3 Filed as: SUZANNE BROSEMER AND OTHER AGENTS | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $118 | $2K | 0.74% |
| WHICKER PARTNERSHIPS INC3 Filed as: WHICKER PARNERSHIPS, INC. | 215 ESSEX FARM ROAD ADVANCE, NC 27006 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $206 | $2K | 0.71% |
| KRISTEN BIBLE3 | 5461 TRALEE PLACE RALEIGH, NC 27609 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $90 | $1K | 0.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 9.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23510 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 8.47% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 649 | $56K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 465 | $127K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 379 | $326K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 465 | $127K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 465 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.