| 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. | $45K | $196 | $45K | 9.86% |
| USI INSURANCE SERVICES LLC3 | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $10K | $28K | 23.63% |
| USI INSURANCE SERVICES LLC3 | 550 PLEASTVILLE ROAD SUITE 160 SOUTH BRIARCLIFF MANOR, NY 10510 | DELTA DENTAL OF KENTUCKY | $4K | — | $4K | 3.95% |
| USI INSURANCE SERVICES LLC3 | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $5K | $14K | 22.30% |
| USI INSURANCE SERVICES LLC3 | MIDWEST PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA INSURANCE COMPANY | $7K | $4K | $11K | 22.37% |
| USI INSURANCE SERVICES LLC3 | MIDWEST PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 23.39% |
| MARGARET C TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $139 | — | $139 | 2.12% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 1.66% |
| MARGARET C TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 1.76% |
| MIKE TERRY3 | 1505 CASPER CT LEXINGTON, KY 40511 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 1.52% |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 468 | $96K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 427 | $458K |
| Life insurance | UNITED OF OMAHA INSURANCE COMPANY | 243 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $117K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $38K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 427 | $458K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.