| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $48K | $220 | $49K | 8.64% |
| USI INSURANCE SERVICES LLC3 | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $10K | $29K | 23.02% |
| USI INSURANCE SERVICES LLC3 | 550 PLEASTVILLE ROAD SUITE 160 SOUTH BRIARCLIFF MANOR, NY 10510 | DELTA DENTAL OF KENTUCKY | $3K | — | $3K | 3.30% |
| USI INSURANCE SERVICES LLC3 | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $13K | 23.71% |
| USI INSURANCE SERVICES LLC3 | MIDWEST PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA INSURANCE COMPANY | $7K | $3K | $10K | 22.84% |
| USI INSURANCE SERVICES LLC3 | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 22.83% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $180 | — | $180 | 2.01% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $135 | — | $135 | 1.51% |
| MARGARET C TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 2.30% |
| MIKE TERRY3 | PO BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 1.64% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 448 | $563K |
| Dental | DELTA DENTAL OF KENTUCKY | 479 | $100K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 448 | $563K |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 256 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $40K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 448 | $563K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 256 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.