| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $3K | $24K | 10.49% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST, SUITE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $301 | $301 | 0.13% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, 8TH FLOOR CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $41 | $41 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | COMBINED INSURANCE | $67K | $0 | $67K | 71.81% |
| CONVERGINS HEALTH LLC3 Filed as: CONVERGINS HEALTH, LLS | UNKNOWN SUITE 220 B ADDISON, TX 75001 | COMBINED INSURANCE | $17K | $0 | $17K | 17.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | AMERICAN UNITED LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.49% |
| CONVERGINS HEALTH LLC3 Filed as: CONVERGINS HEALTH, LLS | UNKNOWN SUITE 220 B ADDISON, TX 75001 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.16% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN SUITE 250 PHOENIX, AZ 85016 | AMERICAN UNITED LIFE INSURANCE COMPANY | $243 | $0 | $243 | 0.26% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $227K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 420 | $29K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 304 | $93K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 304 | $93K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 304 | $93K |
| Other(2 contracts, 2 carriers) | COMBINED INSURANCE | 304 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.