| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $79K | $0 | $79K | 17.19% |
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW, BLD. 100 SUITE 100 ATLANTA, GA 30318 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $54 | $0 | $54 | 0.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $19 | $0 | $19 | 0.05% |
| LORIE TROWBRIDGE3 | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $461 | $0 | $461 | 2.65% |
| C & K BENEFITS LLC3 Filed as: C AND K BENEFITS, LLC | 106 RENAISSANCE CIRCLE MAULDIN, SC 29662 | CONTINENTAL AMERICAN INSURANCE COMPANY | $414 | $0 | $414 | 2.38% |
| SHANNON TROWBRIDGE3 | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | CONTINENTAL AMERICAN INSURANCE COMPANY | $196 | $0 | $196 | 1.13% |
| MJ INSURANCE3 Filed as: CORY L. SMITH AND VARIOUS AGENTS | 67 REGENT AVENUE BLUFFTON, SC 29910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | $0 | $120 | 0.69% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | $0 | $96 | 0.55% |
| BARRY KINCER3 | 1005 CROOKED STICK COURT SUMMERVILLE, SC 29483 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.36% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.33% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $246 | $0 | $246 | 14.99% |
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 | 642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 78 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 947 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 564 | $459K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 564 | $459K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 575 | $491K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 947 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.