| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE., PO BOX 1040 MERIDEN, CT 06450 | MVP HEALTHCARE - 0001 | $25K | — | $25K | 4.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVE, PO BOX 1040 MERIDEN, CT 06450 | MVP HEALTHCARE - 0002 | $18K | — | $18K | 4.18% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE., PO BOX 1040 MERIDEN, CT 06450 | MVP HEALTHCARE - 0006 | $1K | — | $1K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE STANDARD LIFE INURANCE COMPANY OF NEW YORK | $2K | $2K | $4K | 14.13% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE., PO BOX 1040 MERIDEN, CT 06450 | MVP HEALTHCARE - 0003 | $892 | — | $892 | 3.97% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVE, P.O. BOX 1040 MERIDEN, CT 06450 | GUARDIAN | $3K | $774 | $4K | 31.73% |
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 | 12 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | MVP HEALTHCARE - 0001 | 92 | $1.1M |
| Life insurance | THE STANDARD LIFE INURANCE COMPANY OF NEW YORK | 226 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.