| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3427 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $71K | $71K | 5.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 1.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARCH LANE STOCKTON, CA 95219 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.38% |
| USI INSURANCE SERVICES LLC3 | 1000 BURNETT AVENUE, SUITE 340 CONCORD, CA 94520 | VISION SERVICE PLAN | $743 | $0 | $743 | 5.07% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | VISION SERVICE PLAN | $173 | $0 | $173 | 1.18% |
| USI INSURANCE SERVICES LLC3 | 50 CALIFORNIA STREET, SUITE 650 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $113 | 15.07% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.3M |
| Dental | DELTA DENTAL OF OHIO | 277 | $102K |
| Vision | VISION SERVICE PLAN | 103 | $15K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 108 | $24K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $36K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 267 | $1.3M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 108 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.