| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELM ST 24TH FLOOR CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY | $13K | $2K | $15K | 3.38% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $10K | — | $10K | 2.18% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $715 | — | $715 | 0.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 9.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3716 NORFOLF, VA 23514 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $707 | $3K | 8.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | — | DENTAL CARE PLUS, INC. | $1K | — | $1K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $309 | — | $309 | 5.00% |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 119 | $452K |
| Dental(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 145 | $85K |
| Vision | COMMUNITY INSURANCE COMPANY | 119 | $452K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 193 | $88K |
| Short-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 193 | $88K |
| Long-term disability(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 193 | $88K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 193 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.