| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $2K | $27K | 12.72% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD D/B/A HUB | INTERNATIONAL GULF SOUTH 2487 CEDARCREST RD STE 122 ACWORTH, GA 301012729 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.00% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DR STE 201 ORLANDO, FL 328218043 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$124 | -$124 | -0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL 16253 COLLECTION | CENTER DR 40 W WADISON 4TH FL BANK OF AMERICA LOCK BOX SVCS CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$203 | -$203 | -0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | D/B/A HUB INTERNATIONAL GU PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -0.97% |
| USI INSURANCE SERVICES LLC3 | MIDSOUTH PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $6K | $21K | 21.27% |
| THE CASON GROUP INC5 Filed as: CASON GROUP, INC. (THE) | 1612 MARION ST FL 4 COLUMBIA, SC 29201 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $12K | $12K | 12.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | UNKNOWN ATLANTA, GA 30328 | ANSEL SERVICES, INC. | $2K | — | $2K | 20.00% |
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 | 303 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANSEL SERVICES, INC. | 28 | $12K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $215K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $215K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $100K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $100K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $100K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 341 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.