| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN FINANCIAL GROUP | $206K | $47K | $253K | 7.17% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET, SUITE 102 BIRMINGHAM, AL 35233 | LINCOLN FINANCIAL GROUP | $166K | $7K | $173K | 4.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN FINANCIAL GROUP | $0 | $106K | $106K | 3.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN FINANCIAL GROUP | $42K | $0 | $42K | 1.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 9811 KATY FREEWAY SUITE 500 HOUSTON, MO 77024 | DELTA DENTAL OF KENTUCKY | $174K | $0 | $174K | 13.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET KANSAS CITY, MO 64112 | DELTA DENTAL OF KENTUCKY | $7K | $0 | $7K | 0.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $22K | — | $22K | 10.82% |
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 | 5,277 | 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) | 5,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 4,416 | $1.3M |
| Vision | VISION SERVICE PLAN | 2,530 | $202K |
| Life insurance | LINCOLN FINANCIAL GROUP | 5,277 | $3.5M |
| Long-term disability | LINCOLN FINANCIAL GROUP | 5,277 | $3.5M |
| Other | LINCOLN FINANCIAL GROUP | 5,277 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,277 | — |
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."
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.