| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | AETNA LIFE INSURANCE COMPANY | $213K | $13K | $226K | 4.50% |
| USI INSURANCE SERVICES LLC3 | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $51 | $17K | 5.41% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $24K | $2K | $25K | 11.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $9K | $0 | $9K | 4.68% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 841 | $5.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,052 | $309K |
| Vision | AETNA LIFE INSURANCE COMPANY | 841 | $5.0M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 514 | $218K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 722 | $200K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 722 | $200K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 841 | $5.0M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 514 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,052 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.