| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $34K | $34K | 6.87% |
| WILLIAM YATES4 | 401 WEST HUDSON AVENUE DAYTON, OH 45406 | PRE-PAID LEGAL SERVICE, INC. | $6K | $0 | $6K | 18.44% |
| UNIQUE EMPLOYEE BEENFITS4 | 401 WEST HUDSON AVENUE DAYTON, OH 45406 | PRE-PAID LEGAL SERVICE, INC. | $2K | $0 | $2K | 7.22% |
| RONALD J CRUTCHER4 | 531 BELMONTE PARK NORTH APT. 202 DAYTON, OH 45405 | PRE-PAID LEGAL SERVICE, INC. | $40 | $0 | $40 | 0.12% |
| GAYLE A. ROSS4 Filed as: GAYLE A ROSS | 2611 HIGH STREET LOGANSPORT, IN 46947 | PRE-PAID LEGAL SERVICE, INC. | $22 | $0 | $22 | 0.07% |
| THOMPSON SUCCESS PARTNERS, INC.4 Filed as: THOMPSON SUCCESS PARTNERS INC | 2776 GEARY STREET MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICE, INC. | $20 | $0 | $20 | 0.06% |
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 | 3,713 | 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) | 3,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 2,845 | $234K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,713 | $496K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,713 | $496K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,713 | $496K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,713 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,713 | — |
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.