| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P O BOX 62819 SUITE 700 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $116K | $125K | 6.64% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 14.14% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $3K | $12K | 13.67% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 15.00% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $5K | $944 | $6K | 18.00% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $4K | $806 | $5K | 17.99% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62819 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE SERVICES LLC | $4K | $725 | $4K | 16.81% |
| NANCY CRUMP4 | P O BOX 922 LAGRANGE, GA 30241 | PRE-PAID LEGAL SERVICES INC DBA LEAL SHIELD | $273 | — | $273 | 10.96% |
| RPBERT BARTHOLOMEW4 | 3556 S 900 EAPT 3 MILL CREEK, UT 84106 | PRE-PAID LEGAL SERVICES INC DBA LEAL SHIELD | $34 | — | $34 | 1.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Plan Administrator; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $116K |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 424 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 424 | $1.9M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $152K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $98K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 406 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.