| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $39K | $9K | $48K | 8.82% |
| BENEFIT TECHNOLOGY RESOURCES3 | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | STARMOUNT LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.29% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $2K | $13K | 2.42% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK ROAD, SUITE 307 CHARLOTTE, NC 28209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74K | $2K | $77K | 60.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40K | $2K | $42K | 33.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 15.40% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 3.19% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK ROAD, SUITE 307 CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $16K | $2K | $18K | 16.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $8K | $952 | $9K | 8.49% |
| BENEFIT TECHNOLOGY RESOURCES3 | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 6.04% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $485 | $156 | $641 | 0.60% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK ROAD, SUITE 307 CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $12K | $1K | $14K | 17.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $6K | $699 | $7K | 8.71% |
| BENEFIT TECHNOLOGY RESOURCES3 | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $5K | $0 | $5K | 6.46% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $330 | $108 | $438 | 0.56% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK ROAD, SUITE 307 CHARLOTTE, NC 28209 | UNUM INSURANCE COMPANY | $9K | $1K | $10K | 15.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $4K | $585 | $5K | 7.57% |
| BENEFIT TECHNOLOGY RESOURCES3 | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $4K | $0 | $4K | 6.41% |
| LOCKTON COMPANIES, LLC3 | 340 SEVEN SPRINGS WAY, SUITE 750 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $291 | $90 | $381 | 0.57% |
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 | 1,151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 818 | $549K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 818 | $549K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,151 | $244K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $118K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $118K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 474 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.