| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $267 | $27K | 8.29% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES, INC. | 211 SOUTH 23RD STREET PATTSMOUTH, NE 68048 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.35% |
| VBE ASSOCIATES3 | 521 HARTSHORNE COURT FREEHOLD, NJ 07728 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.34% |
| 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 | $4K | $27K | 17.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 10.63% |
| KEELER & ASSOCIATES3 | 211 SOUTH 23RD STREET PLATTSMOUTH, NE 68048 | METLIFE LEGAL PLANS, INC. | $773 | $0 | $773 | 5.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS, INC. | $322 | $0 | $322 | 2.44% |
| VBE ASSOCIATES3 | 521 HARTSHORNE COURT FREEHOLD, NJ 07728 | METLIFE LEGAL PLANS, INC. | $193 | $0 | $193 | 1.46% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $330K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 698 | $44K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 469 | $155K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 469 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 469 | $155K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 819 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 819 | — |
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.