| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | PO BOX 201503 DALLAS, TX 753201503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON-SALEM, NC 271144337 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 2502 N ROCKY POINT DR # 400 TAMPA, FL 33607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $915 | $915 | 1.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | PO BOX 201503 DALLAS, TX 753201503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON-SALEM, NC 271144337 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 2502 N ROCKY POINT DR # 400 TAMPA, FL 33607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $543 | $543 | 1.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | PO BOX 201503 DALLAS, TX 753201503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| IBSI HOLDINGS INC3 | PO BOX 24337 WINSTON-SALEM, NC 271144337 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS NATIONAL INC | 2505 N ROCKY POINT DR # 400 TAMPA, FL 33607 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $422 | $422 | 1.16% |
| CORPORATE BENEFIT CONCEPTS INC3 | 290 CHARLOIS BLVD WINSTON SALEM, NC 27103 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $341 | — | $341 | 1.08% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $292 | — | $292 | 0.93% |
| TIMOTHY C BROOKS3 | PO BOX 1950 COPPELL, TX 75019 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 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 | 997 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 129 | $32K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $36K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 335 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.