| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | $0 | $76K | 6.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $0 | $39K | 3.50% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $15K | $0 | $15K | 12.89% |
| USI INSURANCE SERVICES LLC3 | BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $10K | $0 | $10K | 8.89% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $3K | $0 | $3K | 3.01% |
| USI INSURANCE SERVICES LLC3 | BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $3K | $0 | $3K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $1K | $0 | $1K | 1.48% |
| USI INSURANCE SERVICES LLC3 | BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $5K | $0 | $5K | 8.86% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $3K | $0 | $3K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $2K | $0 | $2K | 3.06% |
| SEE ATTACHED3 | COLONIAL LIFE AND ACCIDENT INSURANC PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $28 | $3K | 7.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $2K | $0 | $2K | 8.12% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $1K | $0 | $1K | 5.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $1K | $0 | $1K | 3.91% |
| MATTHEW WINNICKI4 | 5748 WINDWORTH DR WINSTON SALEM, NC 27106 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $380 | $0 | $380 | 6.91% |
| STOVALL & ASSOCIATES, INC.4 Filed as: STOVALL AND ASSOCIATES INC | 114 MARITIME CT CHOCOWINITY, NC 27817 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | $0 | $77 | 1.40% |
| CAROLINA BENEFITS SOURCE INC4 Filed as: CAROLINA BENEFIT SOURCE INC | 15100 DURMAST CT MINT HILL, NC 28227 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.47% |
| USI INSURANCE SERVICES LLC3 | BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $681 | $0 | $681 | 14.17% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $345 | $0 | $345 | 7.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | USABLE LIFE | $147 | $0 | $147 | 3.06% |
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 | 664 | 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) | 667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | USABLE LIFE | 664 | $89K |
| Short-term disability | USABLE LIFE | 223 | $113K |
| Long-term disability | USABLE LIFE | 198 | $95K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 428 | $1.1M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 664 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.