| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET WORLD TRADE CENTER, SUITE 900 NORFOLK, VA 23510 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 3.36% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | 10895 LOWELL AVENUE, SUITE 300 OVERLAND PARK, KS 66210 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.54% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 6.11% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | PO BOX 879610 KANSAS CITY, MO 64187 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $7K | $15K | 5.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 4.27% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $41 | $4K | 1.36% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST SUITE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $720 | $720 | 0.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | MONUMENTAL LIFE INSURANCE COMPANY | $97 | — | $97 | 3.33% |
| ENROLLEASE3 Filed as: GOLDEN AND COHEN LLC | UNKNOWN FREDRICKSBURG, VA 22401 | MONUMENTAL LIFE INSURANCE COMPANY | $61 | $0 | $61 | 2.09% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $297K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $297K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $297K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $297K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $297K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.