| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $91K | $59K | $149K | 20.89% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 205 WEST MAIN STREET, SUITE F LEXINGTON, SC 29072 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 2.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORPORATION | PO BOX 62819 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $2K | $37K | 10.28% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES,INC. DBA E3 | 215 HOGAN WAY LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 18.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $441 | $6K | 4.01% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | SUITE 240,2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 2.68% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | AMERITAS LIFE INSURANCE CORP. | $17K | $0 | $17K | 15.00% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES,INC. DBA E3 | 215 HOGAN WAY LEXINGTON, SC 29072 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $0 | $16K | 49.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $227 | $4K | 10.82% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | SUITE 240,2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $2K | $2K | 6.04% |
| ROBERT O FLOYD JR.3 Filed as: ROBERT O FLOYD,JR. | PO BOX 309 LENOIR, NC 28645 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 20.00% |
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 | 689 | 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) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 631 | $355K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,265 | $112K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 689 | $748K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,304 | $870K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 689 | $715K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,304 | $884K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,304 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.