| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.72% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST. STE. 2400 CINCINNATI, OH 45202 | NIPPON LIFE BENEFITS | $4K | — | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $7K | $22K | 26.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 9.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 8.84% |
| 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 PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $782 | $782 | 7.68% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 282 | $289K |
| Dental(2 contracts, 2 carriers) | MERITAIN HEALTH | 699 | $351K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 760 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 336 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $80K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $10K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 336 | $108K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.