| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $558 | $28K | 9.09% |
| KELLER & ASSOCIATES3 Filed as: KELLER & ASSOCIATES, INC. | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.56% |
| VBE ASSOCIATES3 | 521 HARTSHORNE COURT FREEHOLD, NJ 07728 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC, | 2711 NORTH HASKELL AVENUE SUITE 2000 DALLAS, TX 75204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 16.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 9.82% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | METLIFE LEGAL PLANS, INC. | $403 | $0 | $403 | 3.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS, INC. | $262 | $0 | $262 | 2.49% |
| KEELER & ASSOCIATES3 | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | METLIFE LEGAL PLANS, INC. | $227 | $0 | $227 | 2.16% |
| VBE ASSOCIATES3 | 521 HARTSHORNE COURT FREEHOLD, NJ 07728 | METLIFE LEGAL PLANS, INC. | $157 | $0 | $157 | 1.49% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF HOUSTON | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | METLIFE LEGAL PLANS, INC. | $0 | $57 | $57 | 0.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | METLIFE LEGAL PLANS, INC. | $0 | $5 | $5 | 0.05% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 684 | $310K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 614 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $153K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $153K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 684 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.