| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $90K | $0 | $90K | 12.85% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 2000 CHAPEL VIEW ROAD, SUITE 240 CRANSTON, RI 02920 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | — | $35K | 4.96% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICE, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $0 | $24K | 3.48% |
| CHRISTOPHER MICHAEL SHEALY3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.99% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.59% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 6802 PARAGON PLACE, SUITE 200 RICHMOND, VA 23230 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $528 | $0 | $528 | 1.11% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 8575 WEST 110TH STREET, SUITE 210 OVERLAND PARK, KS 66210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $249 | $0 | $249 | 0.52% |
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 | 449 | 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) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $697K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $697K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $744K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $697K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $697K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 449 | $697K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.