| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $37K | $41K | 4.42% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATTI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 18.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.17% |
| BARKER PHILLIPS JACKSON INC3 Filed as: BARKER PHILLIPS JACKSON INC. | PO BOX 4207 SPRINGFIELD, MO 65808 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $478 | $0 | $478 | 4.82% |
| TORREY A AMSTUTZ3 Filed as: TORREY A. AMSTUTZ | 1125 EAST LAKEWOOD SPRINGFIELD, MO 65810 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $236 | $0 | $236 | 2.38% |
| USI INSURANCE SERVICES LLC3 | 13075 MANCHESTER ROAD, SUITE 325 SAINT LOUIS, MO 63131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | $0 | $126 | 1.27% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $932K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $932K |
| Vision | VISION SERVICE PLAN | 74 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $54K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $54K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 219 | $932K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.