| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 303 NORTH OREGON, SUITE 210 EL PASO, TX 79901 | HARTFORD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 3.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.76% |
| USI INSURANCE SERVICES LLC3 | 3850 NORTH CAUSEWAY BOULEVARD METAIRIE, WA 70002 | HARTFORD LIFE INSURANCE COMPANY | $0 | -$8K | -$8K | -1.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $83 | $83 | 0.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $468 | $0 | $468 | 3.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $27 | — | $27 | 3.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11 | — | $11 | 2.44% |
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 | 508 | 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) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $14K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $14K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $35K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 508 | $460K |
| Long-term disability(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 508 | $460K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $14K |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,077 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,077 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.