| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30303 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54K | $14K | $69K | 12.49% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $0 | $38K | 6.87% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $4K | $27K | 4.86% |
| CHRISTOPHER MICHAEL SHEALY3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 33.78% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.29% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 25900 AUTUMN WAY ROGERS, MN 55374 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $948 | $0 | $948 | 3.11% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WEST SHORE ROAD TAMPA, FL 33607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $580 | $4 | $584 | 3.82% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $502 | $15 | $517 | 3.38% |
| ELIZABETH KOENIG3 Filed as: ELIZABETH KOENIG AND OTHER AGENTS | PO BOX 239 PISGAH FOREST, NC 28768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $392 | $87 | $479 | 3.13% |
| LYNN MARIE BARRY3 Filed as: LYNN M. MCLEOD | 165 MCDOWELL ROAD MILLS RIVER, NC 28759 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $302 | $3 | $305 | 1.99% |
| CRESCENT HEALTH SOLUTIONS3 | 1200 RIDGEFIELD BOULEVARD ASHEVILLE, NC 28806 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $278 | $0 | $278 | 1.82% |
| PAUL MARTIN WALKINGTON3 | 10100 SW 99TH AVENUE MIAMI, FL 33176 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $175 | $65 | $240 | 1.57% |
| SCOTT MATTHEW BOWLING3 | 145 LARCHMONT DRIVE HENDERSONVILLE, NC 28791 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $122 | $0 | $122 | 0.80% |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $550K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $550K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $595K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $565K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $550K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 324 | $550K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.