| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $6K | $20K | 17.44% |
| MARY K. JONES3 | 109 ROBIN ROAD SAVANNAH, GA 31419 | AFLAC | $7K | $352 | $7K | 9.93% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY L. MILLWOOD | 3944 MURPHY CANYON ROAD, SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $2K | $70 | $2K | 2.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. & OTHER AGENTS | PO BOX 9966 7 EAST STREET, SUITE 1002 SAVANNAH, GA 31412 | AFLAC | $1K | $66 | $1K | 2.09% |
| JAMIE R WALLACE3 Filed as: JAMIE R. WALLACE | 3944 MURPHY CANYON ROAD, SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $500 | $4 | $504 | 0.72% |
| JAMIE R WALLACE3 Filed as: JAMIE R. WALLACE | 105 SOUTHERN BOULEVARD, SUITE 103A SAVANNAH, GA 31405 | AFLAC | $402 | $0 | $402 | 0.58% |
| MARY FRANCES JONES3 | 340 OXFORD DRIVE SAVANNAH, GA 31405 | AFLAC | $380 | $0 | $380 | 0.55% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD, SUI FT. LAUDERDALE, FL 33308 | AFLAC | $357 | $0 | $357 | 0.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $948 | $0 | $948 | 9.82% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 87 | $70K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $117K |
| Vision(2 contracts, 2 carriers) | AFLAC | 138 | $79K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $117K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $117K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $117K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.