| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | FALLON HEALTH | $12K | $0 | $12K | 3.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | FALLON HEALTH AND LIFE ASSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.76% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET BUILDING B, SUITE 205 WARWICK, RI 05403 | VISION SERVICE PLAN | $439 | $0 | $439 | 9.99% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FALLON HEALTH | 51 | $469K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $81K |
| Vision | VISION SERVICE PLAN | 33 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $81K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $81K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $81K |
| Prescription drug(2 contracts, 2 carriers) | FALLON HEALTH | 51 | $469K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.