| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68K | $22K | $90K | 6.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $116K | $0 | $116K | 10.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $93K | $93K | 8.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $46K | $46K | 3.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | NATIONAL VISION ADMINISTRATORS, LLC | $15K | $0 | $15K | 10.00% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER AND OTHER AGENTS | 4931 RIVERSIDE DRIVE, SUITE 200A MACON, GA 31210 | AFLAC | $7K | $278 | $7K | 5.62% |
| LORRI STEMBRIDGE LLC3 Filed as: LORRI STEMBRIDGE, LLC | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $3K | $0 | $3K | 2.62% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $3K | $0 | $3K | 2.06% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 121 HAMPTON RIDGE ROAD MACON, GA 31220 | AFLAC | $2K | $320 | $2K | 1.96% |
| CANDACE JACKSON3 | 6445 RIVOLI DRIVE MACON, GA 31210 | AFLAC | $2K | $63 | $2K | 1.31% |
| JASON B WEST3 Filed as: JASON B. WEST | 1701 BASS ROAD, SUITE 200 MACON, GA 31210 | AFLAC | $2K | $0 | $2K | 1.27% |
| BROOKE E SMITH3 Filed as: BROOKE E. SMITH | 1554 RUMBLE ROAD FORSYTH, GA 31029 | AFLAC | $2K | $0 | $2K | 1.23% |
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 | 1,489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,508 | $1.2M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 2,836 | $149K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,489 | $1.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,489 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,489 | $1.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,489 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,836 | — |
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.