| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $27K | $13K | $40K | 4.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 312 ELM STREET SUITE 2400 CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 11.82% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | DELTA DENTAL OF OHIO | $3K | $279 | $4K | 5.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $22K | $68 | $22K | 239.36% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 90 | $905K |
| Dental | DELTA DENTAL OF OHIO | 179 | $67K |
| Vision | COMMUNITY INSURANCE COMPANY | 81 | $9K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $75K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $75K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $75K |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 90 | $905K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 154 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.