| 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 | $76K | $24K | $100K | 7.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $120K | $20K | $140K | 11.67% |
| PLANSOURCE BENEFITS ADMN INC3 Filed as: PLANSOURCE BENEFITS ADMN., INC. | PO BOX 1313 ORLANDO, FL 32802 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $72K | $72K | 6.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | NGL | $15K | $0 | $15K | 10.00% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 4116 ARKWRIGHT ROAD, SUITE 2 MACON, GA 31210 | AFLAC | $2K | $0 | $2K | 2.20% |
| MJ INSURANCE3 Filed as: CANDACE JACKSON AND VARIOUS AGENTS | 932 JOHN CARTER ROAD BLOOMINGDALE, GA 31302 | AFLAC | $2K | $0 | $2K | 2.14% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUIITE 600 FORT LAUDERDALE, FL 33308 | AFLAC | $2K | $0 | $2K | 1.91% |
| JASON B WEST3 Filed as: JASON B. WEST | 1701 BASS ROAD, SUITE 200 MACON, GA 31210 | AFLAC | $1K | $0 | $1K | 1.52% |
| LORRI STEMBRIDGE LLC3 Filed as: LORRI STEMBRIDGE, LLC | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $1K | $0 | $1K | 1.43% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY, SUITE 700 ATLANTA, GA 30328 | AFLAC | $965 | $0 | $965 | 1.08% |
| SUSAN A SITZ3 Filed as: SUSAN A. SITZ | 50 AVIATOR PLAZA, SUITE 105C SAINT SIMONS ISLAND, GA 31522 | AFLAC | $881 | $0 | $881 | 0.99% |
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 | 1,776 | 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) | 1,781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,566 | $1.2M |
| Vision | NGL | 2,845 | $149K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,787 | $1.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,787 | $1.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,787 | $1.3M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,787 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,845 | — |
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.