| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI | 300 PLAZA THREE, 3RD FLOOR JERSEY CITY, NJ 07311 | ARCH INSURANCE COMPANY | $42K | — | $42K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 7 EAST CONGRESS ST STE 100 SAVANNAH, GA 31401 | LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 6.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GEORGIA, INC | PO BOX 9052560 CHARLOTTE, NC 282905260 | LINCOLN NATIONAL LIFE INSURANCE CO | $671 | — | $671 | 3.26% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES INC | SOUTHWEST PO BOX 3727 NORFOLK, VA 23514 | EYEMED VISION CARE | $1K | — | $1K | 5.74% |
| SEACREST PARTNERS, INC.4 Filed as: SEACREST PARTNERS, INC | PO BOX 8004 SAVANNAH, GA 31412 | EYEMED VISION CARE | $630 | — | $630 | 3.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS GA | PO BOX 116367 ATLANTA, GA 30383 | EYEMED VISION CARE | $158 | — | $158 | 0.85% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | — | $1K | 8.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $303 | — | $303 | 1.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 7 EAST CONGRESS ST STE 100 SAVANNAH, GA 31401 | LINCOLN NATIONAL LIFE INSURANCE CO | $1K | — | $1K | 10.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GEORGIA INC | PO BOX 9052560 CHARLOTTE, NC 282905260 | LINCOLN NATIONAL LIFE INSURANCE CO | $612 | — | $612 | 4.89% |
| SEACREST PARTNERS, INC.3 Filed as: SEACREST PARTNERS INC | 1001 WHITAKER ST SAVANNAH, GA 31401 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | — | $1K | 12.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE CO | $269 | — | $269 | 2.53% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 249 | $19K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 269 | $23K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 269 | $39K |
| Stop-loss / reinsurancereinsurance | ARCH INSURANCE COMPANY | 184 | $280K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 269 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.