| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | — | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $42K | $51K | 5.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST | — | DENTAL CARE PLUS, INC. | $4K | — | $4K | 6.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.70% |
| USI INSURANCE SERVICES LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $95 | — | $95 | 0.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.06% |
| USI INSURANCE SERVICES LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $130 | — | $130 | 0.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ATTN MIDWEST DIRECT BILL VIRGINIA BEACH, VA 23466 | EYEMED | $2K | — | $2K | 10.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.49% |
| USI INSURANCE SERVICES LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $223 | — | $223 | 1.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.40% |
| USI INSURANCE SERVICES LLC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72 | — | $72 | 0.51% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $890K |
| Dental | DENTAL CARE PLUS, INC. | 151 | $67K |
| Vision | EYEMED | 254 | $17K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $20K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 204 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.