| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 101 W MAIN STREET NORFOLK, VA 235101646 | UNITEDHEALTHCARE INSURANCE COMPANY | $551 | $25K | $26K | 4.17% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GRP FL | 1101 N LAKE DESTINY RD SUITE 100 MAITLAND, FL 327517112 | UNITEDHEALTHCARE INSURANCE COMPANY | $142 | — | $142 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MID ATL | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 21.49% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GRP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $451 | — | $451 | 2.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC-MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $692 | $2K | 19.25% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESRCE GRP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $292 | — | $292 | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC-MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $766 | $497 | $1K | 19.11% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GRP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $226 | — | $226 | 3.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC-MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $660 | $426 | $1K | 19.05% |
| THE INSURANCE & PAYROLL RESOURCE GR3 Filed as: THE INSURANCE & PAYROLL RESRCE GRP | 1101 N LAKE DESTINY RD STE 100 MAITLAND, FL 32751 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $195 | — | $195 | 3.42% |
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 105 | $620K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 177 | $47K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 105 | $620K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $6K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 105 | $620K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.