| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $28K | $290 | $29K | 3.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDEWEST LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY | $16K | $0 | $16K | 1.90% |
| REB CONSULTING, INC.3 Filed as: REB CONSULTING | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | COMMUNITY INSURANCE COMPANY | $4K | $0 | $4K | 0.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 312 ELM STREET SUITE 2400 CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $3K | $0 | $3K | 6.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 312 ELM STREET SUITE 2400 CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $1K | $0 | $1K | 6.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $574 | $0 | $574 | 11.47% |
| EDWARD D SOMMER3 | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $264 | $0 | $264 | 5.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $352 | $0 | $352 | 9.12% |
| EDWARD D SOMMER3 | 300 W. WILSON BRIDGE ROAD SUITE 300 WORTHINGTON, OH 43085 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $227 | $0 | $227 | 5.88% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 36 | $854K |
| Dental(2 contracts) | DENTAL CARE PLUS, INC. | 200 | $70K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 205 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 28 | $4K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 284 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.