| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DR E CHARLESTON, WV 25311 | DELTA DENTAL PLAN OF OHIO | $32K | — | $32K | 7.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-LI | $30K | — | $30K | 13.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | $26K | — | $26K | 18.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY-STD | $10K | — | $10K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203383 DALLAS, TX 753203383 | RELIASTAR LIFE INSURANCE COMPANY-STD | — | — | $0 | 0.00% |
| ADP INC3 Filed as: ADP LLC | 9016 SILVER LAKE DR CEDAR HILLS, UT 840628788 | RELIASTAR LIFE INSURANCE COMPANY-STD | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $267K |
| USI INSURANCE SERVICES LLC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 201 ALHAMBRA CIRCLE STE 801 CORAL GABLES, FL 33134 | $0 |
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 | 671 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,131 | $907K |
| Dental | DELTA DENTAL PLAN OF OHIO | 1,110 | $412K |
| Vision | COMMUNITY INSURANCE COMPANY - VISION | 956 | $63K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY-LI | 834 | $222K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY-STD | 501 | $140K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | 834 | $143K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 1,131 | $907K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 1,131 | $907K |
| Other | RELIASTAR LIFE INSURANCE COMPANY-ADD/LTD | 834 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.