| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 9020 STONY POINT PKWY STE 200 RICHMOND, VA 23235 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 10.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 203312 DALLAS, TX 753203312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 2.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | MIDSOUTH P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 9020 STONY POINT PKWY STE 200 RICHMOND, VA 23235 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 9.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 203312 DALLAS, TX 753203312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.31% |
| USI INSURANCE SERVICES LLC3 | MIDSOUTH P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 9020 STONY POINT PKWY STE 200 RICHMOND, VA 23235 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 203312 DALLAS, TX 753203312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| USI INSURANCE SERVICES LLC3 | MIDSOUTH P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.12% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 13.04% |
| OBAL BRIAN3 | 3190 FAIRVIEW PARK DRIVE STE 40 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $685 | $685 | 0.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | MIDSOUTH PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $8K | 8.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 9020 STONY POINT PKWY STE 200 RICHMOND, VA 23235 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.03% |
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 | 599 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 1,342 | $467K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $249K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $119K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $136K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 631 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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.