| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $201K | $0 | $201K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $79K | $79K | 3.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF NORTH CAROLINA | $70K | $0 | $70K | 4.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET WINSTON SALEM, NC 27150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $354 | $9K | 8.64% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10 | $0 | $10 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET WINSTON SALEM, NC 27150 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $494 | $6K | 6.09% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.07% |
| EDWARD MAKEPEACE WILLIAMS3 Filed as: EDWARD M. WILLIAMS | 5400 GLENWOOD AVENUE, SUITE G11 RALEIGH, NC 27612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $0 | $362 | 0.39% |
| MICHAEL L COUSINS3 Filed as: MICHAEL L. COUSINS | PO BOX 327 GARNER, NC 27529 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $352 | $0 | $352 | 0.38% |
| MUNICIPAL BENEFITS LLC3 Filed as: MUNICIPAL BENEFITS, INC. | 1053 BULLARD COURT RALEIGH, NC 27615 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $278 | $0 | $278 | 0.30% |
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 | 3,853 | 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) | 3,853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 4,471 | $1.6M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,430 | $313K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,853 | $2.1M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,853 | $2.0M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,853 | $2.0M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 3,853 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,471 | — |
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.