| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE CHICAGO, IL 60601 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $74K | $0 | $74K | 17.57% |
| LORIE TROWBRIDGE3 | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 2.72% |
| C & K BENEFITS LLC3 Filed as: C AND K BENEFITS, LLC | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.11% |
| SHANNON TROWBRIDGE3 | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.14% |
| KAREN JULIAN-SMITH3 Filed as: KAREN V. JULIAN-SMITH AND AGENTS | 670 REGENT AVENUE BLUFFTON, SC 29910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $893 | $0 | $893 | 0.69% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $705 | $0 | $705 | 0.54% |
| BARRY KINCER3 | 1005 CROOKED STICK COURT SUMMERVILLE, SC 29483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $629 | $0 | $629 | 0.49% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $424 | $0 | $424 | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201503 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 3.16% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW, SUITE 100 ATLANTA, GA 30318 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $33 | $0 | $33 | 0.07% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | ZURICH NORTH AMERICA | $209 | $0 | $209 | 12.74% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 91 | $632K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 915 | $48K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 480 | $420K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 480 | $420K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 91 | $632K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 575 | $565K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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.