| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVCES LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $60K | $60K | 4.94% |
| USI INSURANCE SERVICES LLC3 | 7535 IRVINE CENTER DRIVE, SUITE 250 IRVINE, CA 92618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 14.23% |
| UNKNOWN3 | UNKNOWN GILBERT, AZ 85297 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.86% |
| JOHNSON INSURANCE SERVICES LLC3 | 1103 HUNTER DRIVE RACINE, WI 53406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.35% |
| TRACY BROUGHTON4 | 6 EDENDALE STREET LEDERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $642 | $0 | $642 | 4.82% |
| JOHNSON INSURANCE SERVICES LLC4 | 1103 HUNTER DRIVE MOUNT PLEASANT, WI 53406 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $361 | $0 | $361 | 2.71% |
| FAY PEOPLE LLC4 | PO BOX 16372 PHOENIX, AZ 85011 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $358 | $0 | $358 | 2.69% |
| DON L. HOWARD4 | 4161 EAST SOURWOOD DRIVE GILBERT, AZ 85298 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $200 | $0 | $200 | 1.50% |
| SANDRA MORGAN4 | 2727 EAST UNIVERSITY DRIVE, LOT 1 TEMPE, AZ 85281 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $55 | $4 | $59 | 0.44% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | EMPLOYER'S DENTAL SERVICES | $490 | $0 | $490 | 7.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HEALTHIEST YOU | $623 | $0 | $623 | 15.01% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $1.2M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $79K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 317 | $73K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $194K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $121K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $1.2M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 317 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.