| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM BLUE CROSS | $59K | $2K | $61K | 3.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.78% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 E DYER LN SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $748 | — | $748 | 5.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $499 | $243 | $742 | 4.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $847 | — | $847 | 6.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $295 | $2K | 18.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $246 | $205 | $451 | 4.88% |
| EPSIX, INC.3 Filed as: EPSIX INC. | 13924 E DYER LN. SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $368 | — | $368 | 3.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $260 | $152 | $412 | 6.84% |
| EPSIX, INC.3 Filed as: EPSIX INC. | 13924 E DYER LN. SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $390 | — | $390 | 6.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $282 | $146 | $428 | 7.60% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $423 | — | $423 | 7.51% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS | 262 | $1.8M |
| Dental | ANTHEM BLUE CROSS | 262 | $1.8M |
| Vision | VISION SERVICE PLAN | 133 | $14K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 214 | $73K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 27 | $9K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $63K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 214 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.