| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIASTAR LIFE INSURANCE COMPANY | $613K | — | $613K | 12.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $81K | — | $81K | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QUANTUM HEALTH SERVICES NONE | Insurance services; Claims processing Service code 12 | 5240 BLAZER PKWY DUBLIN, OH 43017 | $1.5M |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NONE | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.4M |
| LUCENT HEALTH EIN 39-1997579 NONE | Claims processing; Insurance services Service code 12 | — | $1.4M |
| MEDICAL BENEFITS ADMINISTRATORS INC EIN 31-1249371 NONE | Plan Administrator Service code 14 | — | $245K |
| VENTEGRA INC., A CALIFORNIA CORP EIN 38-3713042 NONE | Other fees Service code 99 | — | $241K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Contract Administrator; Claims processing Service code 12 | — | $192K |
| USI INSURANCE SERVICES NONE | Insurance services Service code 23 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | $164K |
| PROFERO TEAM LLC EIN 45-4664955 NONE | Other fees Service code 99 | — | $100K |
| RELIASTAR EIN 41-0451140 NONE | Insurance services Service code 23 | — | $30K |
| BANK OF AMERICA EIN 94-1687665 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $13K |
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 | 6,022 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPLOYER DIRECT HEALTHCARE, LLC D/B/A/ LANTERN SPECIALTY CARE | 10,175 | $324K |
| Vision | VISION SERVICE PLAN | 4,786 | $571K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 8,776 | $5.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 8,776 | $5.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 8,776 | $5.1M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 8,776 | $5.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,868 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,175 | — |
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.