| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $133K | — | $133K | 5.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 203383 DALLAS, TX 75320 | RELIASTAR LIFE INSURANCE COMPANY | $110K | — | $110K | 4.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 4000 SMITH RD CINCINNATI, OH 45209 | RELIASTAR LIFE INSURANCE COMPANY | $40K | — | $40K | 1.57% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP INC | 5775 GLENRIDGE DR STE E500 ATLANTA, GA 30328 | RELIASTAR LIFE INSURANCE COMPANY | — | $36K | $36K | 1.42% |
| MASSMARK INC3 Filed as: MASSMARK COMPANIES INC | 85 WHITE BRIDGE RD STE 301 NASHVILLE, TN 37205 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 0.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $70K | $3K | $73K | 7.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | — | DELTA DENTAL OF OHIO | $14K | — | $14K | 1.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | — | DELTA DENTAL OF OHIO | -$7K | — | -$7K | -0.69% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD SUIT 1050 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $42K | — | $42K | 10.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INSURANCE AGENCY INC | 5905 E GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 2.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC. | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $8K | — | $8K | 2.98% |
| ASSURED NL INS SVCS INC.3 Filed as: ASSURED NL UNSURANCE AGENCY INC. | 5905 E GALBRAITH RD #5000 CINCINNATI, OH 45236 | EYEMED VISION CARE | $1K | — | $1K | 0.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | ARMADA CARE | $1K | — | $1K | 1.57% |
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 | 5,727 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 486 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADA CARE | 67 | $84K |
| Dental | DELTA DENTAL OF OHIO | 5,857 | $991K |
| Vision(2 contracts) | EYEMED VISION CARE | 5,356 | $257K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,727 | $2.6M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,727 | $2.6M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,727 | $2.6M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,727 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,857 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.