| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $1K | $12K | 9.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $70 | $3K | 2.72% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $2K | $15K | 17.47% |
| WATCH TOWER TECHNOLOGIES INC3 Filed as: WATCH TOWER TECHNOLOGIES INC. | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 4.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 17.48% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 17.50% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $717 | — | $717 | 2.64% |
| BRANDY R BYERS3 | 1119 ALASKA DRIVE FORNEY, TX 75126 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | — | $531 | 1.96% |
| IMA, INC.3 Filed as: IMA INC | 6200 L BJ FRWY SUITE 200 DALLAS, TX 75240 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 1.10% |
| STUART DUNKLE3 | 405 COUNTY ROAD 3236 QUITMAN, TX 75783 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | — | $211 | 0.78% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $173 | — | $173 | 0.64% |
| JACQUELINE ST HILAIRE3 | 6829 COLONNADE DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 0.63% |
| VIRGINIA LEDER-CLARK3 | 2800 SPRING OAKS HIGHLAND VILLAGE, TX 75077 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.24% |
| INGLE BENEFITS LLC3 | 1840 LARIAT TRAIL CELINA, TX 75009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $514 | $3K | 17.67% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $905 | $905 | 4.71% |
| IMA, INC.3 Filed as: IMA INC | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | LIFESECURE INSURANCE COMPANY | $213 | — | $213 | 1.77% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 1604 PHILADELPHIA PIKE WILMINGTON, DE 19809 | LIFESECURE INSURANCE COMPANY | $72 | — | $72 | 0.60% |
| SPECIALTY PLANNERS, INC.3 | 6201 PRESIDENTIAL COURT FORT MYERS, FL 33919 | LIFESECURE INSURANCE COMPANY | $49 | — | $49 | 0.41% |
| IMA, INC.3 Filed as: IMA INC | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | LIFESECURE INSURANCE COMPANY | $18 | — | $18 | 1.67% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS | 1604 PHILADELPHIA PIKE WILMINGTON, DE 19809 | LIFESECURE INSURANCE COMPANY | $9 | — | $9 | 0.83% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $126K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $126K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $110K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $51K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $59K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 54 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.