| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- MIDWEST | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 7.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 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 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $7K | $18K | 29.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- MIDWEST | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC - CINCI | ATTN MIDWEST DIRECT BILL P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- MIDWEST | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $899 | $899 | 7.87% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 265 | $263K |
| Dental(2 contracts, 2 carriers) | MERITAIN HEALTH | 670 | $337K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 746 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $30K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $11K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 355 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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.