| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 8.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $12K | $44K | 27.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 8.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $8K | $23K | 23.47% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $28K | $28K | 32.15% |
| 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 | $7K | 8.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 24.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $666 | $666 | 8.09% |
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 | 1,331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEARTLAND | 1,896 | $129K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,331 | $214K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 424 | $158K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 980 | $212K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,331 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,896 | — |
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.