| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $108K | $108K | 4.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $0 | $29K | 7.29% |
| JANILLE C. MCCALL3 | 1520 CASA RIO DRIVE ORLANDO, FL 32825 | AFLAC | $1K | $0 | $1K | 5.51% |
| JOYCE WEBER ENTERPRISES INC3 Filed as: JOYCE WEBER ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $318 | $27 | $345 | 1.48% |
| J W GRIMES INC3 Filed as: J. W. GRIMES, INC. AND OTHER AGENTS | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $250 | $6 | $256 | 1.10% |
| DH2 ENTERPRISES INC3 Filed as: DH2 ENTERPRISES, INC. | 13313 FALCON POINTE DRIVE ORLANDO, FL 32837 | AFLAC | $213 | $6 | $219 | 0.94% |
| UNKNOWN3 | UNKNOWN ORLAND, FL 32801 | AFLAC | $200 | $0 | $200 | 0.86% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP, INC., | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | AFLAC | $160 | $0 | $160 | 0.69% |
| HARLENE MATZA3 | 101 SPRINGWOOD LANE MOORESVILLE, NC 28117 | AFLAC | $94 | $0 | $94 | 0.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.15% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $2.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $392K |
| Vision | VISION SERVICE PLAN | 101 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $392K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $392K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $392K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $2.3M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 169 | $415K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.