| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $10K | $32K | 10.67% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 4.07% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 800 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $827 | $11K | 3.64% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 SOUTH MOUNT JULIET, SUITE 235 PMB 184 MOUNT JULIET, TN 37076 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.50% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53 | $0 | $53 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33 | $0 | $33 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $7K | $20K | 8.55% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES, INC. | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.61% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFIT SERVICES INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 15.53% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 800 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $269 | $3K | 14.00% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 SOUTH MOUNT JULIET, SUITE 235 PMB 184 MOUNT JULIET, TN 37076 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $340 | $340 | 1.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $107 | $0 | $107 | 0.52% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.35% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $3K | $443 | $3K | 21.20% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD ASSOCIATION OF ALABAMA | 101 | $483K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 282 | $232K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 282 | $232K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $322K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $301K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $301K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD ASSOCIATION OF ALABAMA | 101 | $483K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 297 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.