| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARVARD PILGRIM HEALTH CARE OF NE INC -MA | $27K | $0 | $27K | 2.63% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON MERIDEN, CT 06450 | CONNECTICARE, INC. | $29K | $7K | $37K | 4.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HPHC INSURANCE COMPANY | $10K | $0 | $10K | 2.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $19K | 14.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $393 | $2K | 19.57% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON MERIDEN, CT 06450 | HARTFORD LIFE AND ACCIDENT | $260 | $38 | $298 | 17.23% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC -MA | 137 | $2.2M |
| Vision | VISION SERVICE PLAN | 117 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $138K |
| Prescription drug(3 contracts, 3 carriers) | HARVARD PILGRIM HEALTH CARE OF NE INC -MA | 137 | $2.2M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.