| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124K | $31K | $155K | 6.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | PRINCIPAL LIFE INSURANCE COMPANY | $107K | — | $107K | 5.00% |
| EOI SERVICE COMPANY INC3 | STE 400 1820 E 1ST ST. SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $190K | $9K | $198K | 13.99% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79K | $4K | $83K | 5.87% |
| AON CONSULTING INC3 Filed as: BSWIFT | STE 1100 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 3.13% |
| EOI SERVICE COMPANY INC3 | STE 400 1820 E 1ST ST. SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $156K | $9K | $165K | 20.23% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41K | $4K | $45K | 5.56% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $8K | $41K | 6.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 6.22% |
| EOI SERVICE COMPANY INC3 | STE 400 1820 E 1ST ST. SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.61% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $11K | 6.67% |
| KATHLEEN E MCCREARY4 | 115 E MECHANIC ST APT 7 EATON, OH 45320 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 6.00% |
| WENDELL W BECULHEIMER4 | 116 CEDAR ST FRANKLIN, OH 45005 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | — | $6K | 6.00% |
| CAROL PURDY FIELDS4 Filed as: CAROL CLINTON SMITH MARITAL TRUST | 3317 WAUWINET WAY NORMAN, OK 73071 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $815 | — | $815 | 0.76% |
| THE LITTLE GORUP LLC4 | 5017 NEW TRENTON RD WEST HARRISON, NJ 47060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $751 | — | $751 | 0.70% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $487 | $2K | 6.29% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $67 | $2K | 15.63% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | AN AON COMPANY 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $548 | $486 | $1K | 10.73% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $258 | — | $258 | 2.68% |
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 | 9,942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 75 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,124 | $385K |
| Vision | VISION SERVICE PLAN | 7,620 | $1.2M |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,925 | $3.3M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 9,674 | $2.1M |
| Other(9 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8,925 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,674 | — |
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.