| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $44K | — | $44K | 2.48% |
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $13K | — | $13K | 0.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $4K | $6K | 7.91% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $486 | — | $486 | 0.63% |
| RIDER AND REINKE FINANCIAL GROUP3 Filed as: RIDER REINKE FINANCIAL GROUP LLC | 4094 MAIN ST HILLIARD, OH 43026 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $359 | $2K | 3.39% |
| ASPIRE BENEFITS LLC3 | 6099 RIVERSIDE DR STE 104 DUBLIN, OH 43017 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DR E STE 300 CHARLESTON, WV 25311 | UNITEDHEALTHCARE INSURANCE COMPANY | $160 | $39 | $199 | 0.31% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST STE 700 COLUMBUS, OH 43215 | UNITEDHEALTHCARE INSURANCE COMPANY | $60 | — | $60 | 0.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.52% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.18% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $540 | $4K | 9.01% |
| ASPIRE BENEFITS LLC3 | 6099 RIVERSIDE DR STE 104 DUBLIN, OH 43017 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.03% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 10.19% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $522 | — | $522 | 1.90% |
| USI INSURANCE SERVICES LLC3 | 2 22ND ST STE 2 WHEELING, WV 25003 | VISION SERVICE PLAN | $769 | — | $769 | 4.73% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 221 S CHURCH STREET BOWLING GREEN, OH 43402 | VISION SERVICE PLAN | $205 | — | $205 | 1.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $790 | $467 | $1K | 12.63% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $415 | — | $415 | 4.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $88 | $33 | $121 | 8.46% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 440 POLARIS PARKWAY WESTERVILLE, OH 43082 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 3.50% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 315 | $1.8M |
| Dental(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $224K |
| Vision(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $135K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $127K |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $152K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $51K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.