| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $114K | $0 | $114K | 9.63% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $23K | $23K | 1.90% |
| USI INSURANCE SERVICES LLC4 | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 17.00% |
| MELIA COMMUNICATIONS4 | 901 NUTT STREET, APARTMENT 118 WILMINGTON, NC 28401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $108 | $0 | $108 | 1.00% |
| SEAGE, LLC4 | 1613 SOUTH GEORGIA AVENUE TAMPA, FL 33629 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $81 | $0 | $81 | 0.75% |
| L-K MARKETING GROUP, LLC4 | PO BOX 8072 WACO, TX 76714 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $27 | $0 | $27 | 0.25% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | FEDERAL INSURANCE COMPANY | $895 | $66 | $961 | 16.10% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | SHELTERPOINT LIFE INSURANCE COMPANY | $592 | $0 | $592 | 15.93% |
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 | 864 | 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) | 864 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 780 | $83K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,459 | $1.2M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,459 | $1.2M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,459 | $1.2M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,459 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,459 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.