| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 4456 CORPORATION LANE SUITE 350 VIRGINIA BEACH, VA 23462 | UNITED HEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 6.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $228 | $2K | 16.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $210 | $2K | 17.04% |
| TAILORED WORKSITE SERVICES3 Filed as: TAILORED WORKSITE SERVICES LLC | 1802 LAKE MEADOWS CT HOUSTON, TN 77077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $689 | $76 | $765 | 8.88% |
| TAILORED WORKSITE SERVICES3 Filed as: TAILORED WORKSITE SERVICES LLC | 1802 LAKE MEADOWS CT HOUSTON, TX 77077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $844 | $0 | $844 | 12.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | $50 | $612 | 8.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $877 | $225 | $1K | 18.84% |
| TAILORED WORKSITE SERVICES3 Filed as: TAILORED WORKSITE SERVICES LLC | 1802 LAKE MEADOWS CT HOUSTON, TX 77077 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $548 | $0 | $548 | 11.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $366 | $39 | $405 | 8.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $618 | $91 | $709 | 17.22% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 201 | $626K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $4K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 29 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 23 | $12K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.