| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | 132 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $36K | $839 | $37K | 23.84% |
| USI INSURANCE SERVICES LLC3 | 300 NORTH MERIDIAN INDIANAPOLIS, IN 46204 | ANTHEM INSURANCE COMPANIES, INC. | $7K | — | $7K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203508 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.72% |
| USI INSURANCE SERVICES LLC3 | 2502 N ROCKY POINT DR #400 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203508 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 2502 N ROCKY POINT DR #400 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $691 | $691 | 2.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203508 DALLAS, TX 75320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.56% |
| USI INSURANCE SERVICES LLC3 | 2502 N ROCKY POINT DR #400 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $413 | $413 | 2.07% |
| USI INSURANCE SERVICES LLC3 | 2502 N ROCKY POINT DR #400 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $370 | $370 | — |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC. | 222 | $141K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 222 | $141K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 222 | $141K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $88K |
| Short-term disability | AFLAC | 166 | $154K |
| Long-term disability(3 contracts, 2 carriers) | AFLAC | 212 | $174K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 247 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.