| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES, INC. | 101 PARK AVE FL 12 NEW YORK, NY 10178 | METOPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METOPOLITAN LIFE INSURANCE COMPANY | — | $83 | $83 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - NE | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 6.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - NE | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 9.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - NE | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $439 | $537 | $976 | 14.31% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 32 OLD SLIP NEW YORK, NY 10005 | MUTUAL OF OMAHA INSURANCE COMPANY | $243 | — | $243 | 3.56% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $1.1M |
| Dental(2 contracts, 2 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 615 | $181K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $28K |
| Life insurance(3 contracts, 3 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 615 | $181K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 71 | $38K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 324 | $7K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $1.1M |
| Other(4 contracts, 3 carriers) | METOPOLITAN LIFE INSURANCE COMPANY | 615 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.