| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SRVCS LLC | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 3.61% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 2.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SRVCS LLC | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | COMPANION LIFE INSURANCE COMPANY | $3K | $16 | $3K | 7.26% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.83% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | COMPANION LIFE INSURANCE COMPANY | $980 | — | $980 | 2.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SRVCS LLC | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | COMPANION LIFE INSURANCE COMPANY | $2K | $16 | $3K | 11.24% |
| THE CASON GROUP INC3 | PO BOX 11229 COLUMBIA, SC 29211 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | COMPANION LIFE INSURANCE COMPANY | $853 | — | $853 | 3.83% |
| BENEFIT CONTROLS OF THE CAROLINAS3 | 8049 CORPORATE CENTER DR CHARLOTTE, NC 28226 | FIDELITY SECURITY INSURANCE COMPANY DBA EYEMED | $394 | — | $394 | 5.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SRVCS LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY INSURANCE COMPANY DBA EYEMED | $235 | — | $235 | 3.40% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $757K |
| Dental | COMPANION LIFE INSURANCE COMPANY | 73 | $40K |
| Vision | FIDELITY SECURITY INSURANCE COMPANY DBA EYEMED | 98 | $7K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 84 | $22K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 84 | $22K |
| Other | COMPANION LIFE INSURANCE COMPANY | 84 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.