| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVE 6TH FL NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $1K | $1K | $3K | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LL | 150 N MICHIGAN AVE STE 2400 CHICAGE, IL 60601 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 2810 N PARHAM RD STE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $0 | $630 | $630 | 1.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVE 6TH FL NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62819 VIRGINA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LL | 150 N MICHIGAN AVE STE 2400 CHICAGE, IL 60601 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 261 MADISON AVE 6TH FL NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 6.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 3.76% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62819 VIRGINA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 3.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVE 6TH FL NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $871 | $0 | $871 | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62819 VIRGINA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $0 | $764 | $764 | 2.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $8K | $478 | $8K | 33.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $654 | $0 | $654 | 2.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 261 MADISON AVE 6TH FL NEW YORK, NY 10016 | STANDARD INSURANCE COMPANY | $756 | $0 | $756 | 5.81% |
| MARSH & MCLENNAN AGENCY LLC3 | 150 N MICHIGAN AVE STE 2400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $317 | $0 | $317 | 2.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF VA | 2810 NORTH PARHAM ROAD SUITE 200 HENRICO, VA 23294 | STANDARD INSURANCE COMPANY | $0 | $137 | $137 | 1.05% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 96 | $59K |
| Vision | STANDARD INSURANCE COMPANY | 93 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $37K |
| Short-term disability | STANDARD INSURANCE COMPANY | 113 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 48 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.