| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | SUPERIOR DENTAL CARE | $7K | — | $7K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 409 E. MONUMENT AVE. STE. 400 DAYTON, OH 45402 | NIPPON LIFE BENEFITS | $4K | — | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MIDWEST | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 13.14% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $6K | $10K | 11.40% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $859 | $2K | $3K | 8.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MIDWEST | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC - CINCI | ATTN MIDWEST DIRECT BILL PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 11.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MIDWEST | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.92% |
| MARSH & MCLENNAN AGENCY LLC3 | BROWER INSURANCE 409 E. MONUMENT AVE., STE. 400 DAYTON, OH 45402 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $426 | $631 | $1K | 10.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P.O. BOX 62949 ATTN WEST VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $36K | — | $36K | — |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N. ELM ST. 200 GREENSBORO, NC 27455 | COMMUNITY INSURANCE COMPANY | $9K | — | $9K | — |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 310 | $89K |
| Dental | SUPERIOR DENTAL CARE | 684 | $159K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 760 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $96K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6 | $10K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.