| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM ST., 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $68K | $14K | $83K | 8.37% |
| USI INSURANCE SERVICES LLC3 | 2600 W. BEAVER ROAD SUITE 140 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 1.14% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $1K | $5K | 1.13% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - WEST | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.03% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - WEST | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.03% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - WEST | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 2.03% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.11% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES INC | 1 SEAGATE STE 2050 TOLEDO, OH 43604 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.20% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - WEST | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $793 | $0 | $793 | 2.03% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $355 | $0 | $355 | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - WEST | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $144 | $0 | $144 | 2.03% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 43604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $343 | $0 | $343 | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - WEST | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $139 | $0 | $139 | 2.03% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $185 | $185 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $26K |
| FLORES & ASSOCIATES EIN 56-1542307 PLAN ADMINISTRATOR | Plan Administrator; Claims processing Service code 12 | 2013 W MOREHEAD ST SUITE B CHARLOTTE, NC 28208 | $11K |
| COMPSYCH C/0 PRUDENTIAL INSURANCE EIN 35-3739783 ADMINISTRATION | Contract Administrator Service code 13 | P.O. BOX 7639 PHILADELPHIA, PA 19176 | $0 |
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 | 891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 692 | $989K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 668 | $481K |
| Vision | VISION SERVICE PLAN | 554 | $112K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 891 | $175K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 662 | $191K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 692 | $989K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 692 | $989K |
| Other(6 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 891 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.