| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $6K | $0 | $6K | 6.34% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE, 26TH FLOOR TOLDEO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $60 | $8K | 16.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $747 | $747 | 1.47% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN TOLEDO, OH 43604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $849 | $0 | $849 | 6.00% |
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 |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 217 | $96K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 114 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $51K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $51K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.