| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 SUMMT LAKE DRIVE STE 400 VALHALIA, NY 10595 | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | $96K | — | $96K | 3.25% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BO 628889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.52% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | 700 26TH AVE E WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $455 | $455 | 0.87% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.49% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | 700 26TH AVE E WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $345 | $345 | 0.88% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTWON, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.92% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | 700 26TH AVE E WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $303 | $303 | 0.82% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEUSA LLC3 Filed as: BENEUSA | PO BOX 1240 WATERTOWN, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $861 | $861 | 3.87% |
| WEX HEALTH, INC. Filed as: WEX HEALTH INC | 700 26TH AVE E WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $182 | $182 | 0.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VSP VISION CARE | $692 | — | $692 | 3.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VSP VISION CARE | $810 | — | $810 | 4.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VSP VISION CARE | $529 | — | $529 | 3.81% |
| USI INSURANCE SERVICES LLC3 | 300 WALNUT ST #200 DES MOINES, IA 50309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BENEUSA LLC3 | PO BOX 1240 WATERTWON, MN 55388 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $460 | $460 | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $408 | $408 | 4.44% |
| WEX HEALTH, INC.3 Filed as: WEX HEALTH INC | 700 26TH AVE E WEST FARGO, ND 58078 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $73 | $73 | 0.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VSP VISION CARE | -$116 | — | -$116 | -1.92% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | DELTA DENTAL | $6K | — | $6K | — |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL | — | $3K | $3K | — |
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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF IOWA | 263 | $2.9M |
| Dental | DELTA DENTAL | 270 | $0 |
| Vision(4 contracts) | VSP VISION CARE | 85 | $55K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $75K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 401 | $37K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.