| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM STREET, 24TH FL CINCINNATI, OH 452022701 | HUMANA HEALTH PLAN, INC. | $21K | $802 | $22K | 7.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 24366 | SUPERIOR DENTAL CARE, INC. | $2K | — | $2K | 5.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 312 ELM STREET, 24TH FL CINCINNATI, OH 452022701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 312 ELM STREET, 24TH FL CINCINNATI, OH 452022701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 312 ELM STREET, 24TH FL CINCINNATI, OH 452022701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.53% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE, STE. Q WEST CHESTER, OH 450696585 | KANAWHA INSURANCE COMPANY | $1K | $22 | $1K | 8.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. | 312 ELM STREET, 24TH FL CINCINNATI, OH 452022701 | KANAWHA INSURANCE COMPANY | $352 | $19 | $371 | 2.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | 312 ELM STREET, 24TH FL CINCINNATI, OH 452022701 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $642 | $2K | 20.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC- | CINCINNATI, OH PO BOX 62889 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 14.61% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 102 | $273K |
| Dental | SUPERIOR DENTAL CARE, INC. | 173 | $44K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 133 | $8K |
| Life insurance(4 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 119 | $331K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $23K |
| Stop-loss / reinsurancereinsurance | HUMANA HEALTH PLAN, INC. | 102 | $273K |
| Other(5 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 119 | $351K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.