| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $225K | $0 | $225K | 7.05% |
| THE JELLYVISION LAB, INC.3 | PO BOX 8900 CAROL STREAM, IL 60197 | STANDARD INSURANCE COMPANY | $0 | $75K | $75K | 2.34% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | STANDARD INSURANCE COMPANY | $0 | $28K | $28K | 0.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $41K | $0 | $41K | 5.08% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD, SUITE 1579 ORLANDO, FL 32822 | CHUBB INSURANCE | $170K | $0 | $170K | 22.28% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | CHUBB INSURANCE | $98K | $0 | $98K | 12.84% |
| BENEFITS ALL INSURANCE, LLC3 | 8040 HOSBROOK ROAD, SUITE 100 CINCINNATI, OH 45236 | CHUBB INSURANCE | $24K | $0 | $24K | 3.12% |
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 | 7,076 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 7,053 | $817K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,076 | $4.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,723 | $3.2M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 7,104 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,104 | — |
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.