| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $146K | $105K | $251K | 8.18% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST FL 24 CINCINNATI, OH 452022701 | PRINCIPAL LIFE INSURANCE COMPANY | $137K | $5K | $142K | 5.19% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY LLC | 3100 E MIRALOMA AVE SUITE 240 ANAHEIM, CA 92806 | SUN LIFE ASSURANCE COMPANY OF CANADA | $747K | $80K | $827K | 55.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MIDWEST | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $112K | $179K | $291K | 19.53% |
| USI INSURANCE SERVICES LLC3 | 24TH FLOOR 312 ELM STREET CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 4.85% |
| EOI SERVICE COMPANY INC3 | STE 400 1820 E 1ST ST. SANTA ANA, CA 92705 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | COMBINED INSURANCE | $15K | — | $15K | 6.60% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | STE 400 1820 E 1ST ST SANTA ANA, CA 92705 | COMBINED INSURANCE | $6K | — | $6K | 2.80% |
| KATHLEEN E MCCREARY4 | 115 E MECHANIC ST APT 7 EATON, OH 45320 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | — | $7K | 6.00% |
| WENDELL W BECULHEIMER4 | 116 CEDAR ST FRANKLIN, OH 45005 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $7K | — | $7K | 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 | $902 | — | $902 | 0.76% |
| THE LITTLE GORUP LLC4 Filed as: THE LITTLE GROUP LLC | 5017 NEW TRENTON RD WEST HARRISON, IN 47060 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $833 | — | $833 | 0.70% |
| ITEM III TRUST U/W DAVID A SAVULA4 | C/O DAVID J SAVULA 480 RIVERHILL DR ATLANTA, GA 30328 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $201 | — | $201 | 0.17% |
| SCOTT A BOYER4 | 5918 HIGHLANDER DR WESTERVILLE, OH 43081 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $201 | — | $201 | 0.17% |
| PML INC4 | 11410 STONECREEK DR PICKERINGTON, OH 43147 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $142 | — | $142 | 0.12% |
| SANDRA J EVANSEN4 | PMB 105 2833 NW 91ST AVE BLVD CORAL SPRINGS, FL 33065 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $71 | — | $71 | 0.06% |
| EOI SERVICE COMPANY INC3 | STE 400 1820 E 1ST ST SANTA ANA, CA 92705 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $323 | $6K | 6.58% |
| USI INSURANCE SERVICES LLC3 | 24TH FLOOR 312 ELM STREET CINCINNATI, OH 45202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $154 | $3K | 3.21% |
| AON CONSULTING INC3 Filed as: BSWIFT | STE 1100 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.78% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
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 | 10,248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 81 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUPERIOR DENTAL CARE, INC. | 15,650 | $0 |
| Vision | VISION SERVICE PLAN | 6,776 | $1.1M |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,764 | $3.8M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 9,227 | $2.7M |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 9,764 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,650 | — |
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."
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.