| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 0.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $741 | $741 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE DRIVE, SUITE 700 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $0 | $27K | 13.29% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 6400 POWERS FERRY ROAD, SUITE 230 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $666 | $33 | $699 | 0.34% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE DRIVE NE, SUITE 700 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8 | $8 | 0.00% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $16K | $0 | $16K | 10.85% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | UNKNOWN ATLANTA, GA 30339 | UNITED CONCORDIA INSURANCE COMPANY | $62 | $0 | $62 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.07% |
| TOTAL EMPLOYEE BENEFITS, LLC3 | 6400 POWERS FERRY ROAD, SUITE 230 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $401 | $0 | $401 | 1.64% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | KEMPER HEALTH | $3K | $0 | $3K | — |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEWMARKET PARKWAY SE SUITE 100 MARIETTA, GA 30067 | KEMPER HEALTH | $2K | $0 | $2K | — |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC. | 301 NORTH MAIN STREET, SUITE 1030 WINSTON SALEM, NC 27101 | KEMPER HEALTH | $253 | $0 | $253 | — |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 188 | $2.9M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 443 | $148K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 438 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $206K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $206K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $206K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 188 | $2.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.