| 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 | 8.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $13K | $45K | 27.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 8.69% |
| 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 | $8K | $22K | 23.38% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $25K | $25K | 29.09% |
| 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 | 8.01% |
| 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 | $5K | $12K | 23.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | SOUTHWEST P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $659 | $659 | 6.88% |
| MURRAY INSURANCE ASSOCIATES3 Filed as: MURRAY INSURANCE ASSOCIATES, INC. | — | ACE AMERICAN INSURANCE COMPANY | — | $53 | $53 | 1.25% |
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 | 1,351 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEARTLAND | 1,834 | $126K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,351 | $203K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 444 | $163K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 983 | $210K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,351 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,834 | — |
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.