| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 8.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 8.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 8.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 8.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, MIDSOUTH | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD STE 1400 CHARLOTTE, NC 28210 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 40.10% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 296 | $23K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $158K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $81K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $97K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.