| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 10.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 720 EAST PETE ROSE WAY STE 400 CINCINNATI, OH 45202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 3.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 3.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 720 EAST PETE ROSE WAY STE 400 CINCINNATI, OH 45202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 1.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 2.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 720 EAST PETE ROSE WAY STE 400 CINCINNATI, OH 45202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 720 EAST PETE ROSE WAY STE 400 CINCINNATI, OH 45202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $368 | — | $368 | 1.35% |
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 | 965 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 965 | $405K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 965 | $197K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 965 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 965 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.