| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 27025 RICHMOND, VA 23261 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $27 | $8K | 3.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $27 | $8K | 3.66% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES, INC. | 4500 CASCADE ROAD, SUITE 106 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 23514 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 333 BRIDGE STREET NW, SUITE 400 GRAND RAPIDS, MI 49504 | METROPOLITAN LIFE INSURANCE COMPANY | $93 | $27 | $120 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 333 BRIDE STREET NW, SUITE 400 GRAND RAPIDS, MI 49504 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 4.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3727 NORFOLK, VA 23514 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 11.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1010 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | UNION SECURITY INSURANCE COMPANY | $460 | — | $460 | 3.93% |
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 | 605 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 612 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 24 | $103K |
| Dental | DELTA DENTAL OF MICHIGAN | 1,360 | $302K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 916 | $227K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 916 | $239K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 24 | $103K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 916 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,360 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.