| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107K | $37K | $144K | 6.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | PRINCIPAL LIFE INSURANCE COMPANY | $90K | $18K | $107K | 6.29% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $265K | — | $265K | 24.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113K | $30K | $143K | 13.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 312 ELM ST 24TH FLOOR CINCINNATI, OH 452022992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $76 | — | $76 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGCYLLC CO BOWER INS | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45385 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 1.79% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST ST SUITE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $150K | — | $150K | 21.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64K | $30K | $94K | 13.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 312 ELM ST 24TH FLOOR CINCINNATI, OH 452022992 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $51 | — | $51 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGCYLLC CO BOWER INS | 409 E MONUMENT AVE STE 400 DAYTON, OH 45385 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 2.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $6K | $22K | 7.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGCYLLC CO BOWER INS | 409 E MONUMENT AVE, STE 400 DAYTON, OH 45385 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 4.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 6.75% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | AN AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $754 | $2K | 5.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $534 | — | $534 | 1.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $447 | $2K | 6.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $433 | — | $433 | 14.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $19 | $59 | 5.15% |
| ACCOMPANY BENEFITS LLC3 | 4700 LAKEHURST CT STE 210 DUBLIN, OH 43016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 4.89% |
| USI INSURANCE SERVICES LLC3 | LOCATOR 01-3920 629 EUCLID AVE CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 1.14% |
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 | 11,227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | VISION SERVICE PLAN | 1,435 | $26K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,315 | $2.5M |
| Short-term disability(3 contracts) | UNION SECURITY INSURANCE COMPANY | 710 | $1.5M |
| Long-term disability(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 8,712 | $3.2M |
| Other(9 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,315 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,712 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.