| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.07% |
| GIS BENEFITS INC3 Filed as: GIS BNEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.76% |
| ERIS VENTURES LLC3 Filed as: ERIS VENTURE LLC | 931 MONROE DRIVE ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54K | $50K | $104K | 52.06% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE SUITE 700 ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40K | $4K | $44K | 21.94% |
| JS BENEFITS SOLUTIONS INC3 | 573 WOOD POINT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $245 | $10K | 5.22% |
| MJ INSURANCE3 Filed as: ROXIE S PEDROLI | 8202 STONE RIVER COURT NORTH CHESTERFIELD, VA 23235 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 3.09% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL H MORALES & OTHER AGENTS | 1264 GABLES VIEW PLACE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $544 | $5K | 2.75% |
| SUZANNE R BROSEMER3 | 6889 WOODVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $389 | $3K | 1.57% |
| TIMMOTHY MARK SIMMONS3 | 5405 STANWOOD WAY GLEN ALLEN, VA 23059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $453 | $3K | 1.44% |
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 | 654 | 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) | 654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 392 | $68K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 654 | $503K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 654 | $503K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 654 | $503K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 654 | $703K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.