| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | — | UNITED CONCORDIA INSURANCE COMPANY | — | $28K | $28K | 3.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $14K | $14K | 6.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $11K | $30K | 19.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 5.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $6K | $19K | 21.95% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $23K | $23K | 26.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 6.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 22.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $621 | $621 | 6.29% |
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 | 1,353 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,997 | $706K |
| Vision | HEARTLAND | 1,841 | $128K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,353 | $226K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 427 | $159K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 997 | $215K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,353 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,997 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.