| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $51K | $5K | $56K | 1.37% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.15% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62939 VIRGINA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| 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 | $0 | $8K | $8K | 7.89% |
| 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 | $13K | $4K | $17K | 23.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM ST. STE. 2400 CINCINNATI, OH 45202 | NIPPON LIFE BENEFITS | $3K | — | $3K | 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 | $0 | $2K | $2K | 6.98% |
| 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 | 9.06% |
| 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 | $906 | $906 | 7.15% |
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 | 394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 291 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 678 | $149K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 384 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 391 | $35K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $100K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $13K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 391 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 678 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.