| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | NATIONAL ACCOUNTING CENTER 4605 COLUMBUS ST. VIRGINIA BEACH, VA 234622490 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 8.18% |
| USI INSURANCE SERVICES LLC3 | NATIONAL ACCOUNTING CENTER 4605 COLUMBUS ST. VIRGINIA BEACH, VA 234622490 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 8.18% |
| USI INSURANCE SERVICES LLC3 | NATIONAL ACCOUNTING CENTER 4605 COLUMBUS ST. VIRGINIA BEACH, VA 234622490 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 8.18% |
| USI INSURANCE SERVICES LLC3 | NATIONAL ACCOUNTING CENTER 4605 COLUMBUS ST. VIRGINIA BEACH, VA 234622490 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.18% |
| USI INSURANCE SERVICES LLC3 | NATIONAL ACCOUNTING CENTER 4605 COLUMBUS ST. VIRGINIA BEACH, VA 234622490 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $901 | $0 | $901 | 8.18% |
| USI INSURANCE SERVICES LLC3 | NATIONAL ACCOUNTING CENTER 4605 COLUMBUS ST. VIRGINIA BEACH, VA 234622490 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $792 | $0 | $792 | 8.17% |
| USI INSURANCE SERVICES LLC3 | NATIONAL ACCOUNTING CENTER 4605 COLUMBUS ST. VIRGINIA BEACH, VA 234622490 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $93 | $0 | $93 | 8.18% |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 235 | $111K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 173 | $70K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 221 | $133K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 222 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.