| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $31K | $0 | $31K | 2.47% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 13.97% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $619 | $8K | 5.50% |
| JOHN A WHEATLAND3 Filed as: JOHN ALAN WHEATLAND | 68 EAST DEERPATH ROAD WOOD DALE, IL 60191 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $142 | $0 | $142 | 0.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES MINNEAPOLIS | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | $0 | $61 | 0.04% |
| EMPLOYEE SECURITY PLANS3 | 151 EAST 22ND STREET, SUITE 101E LOMBARD, IL 60148 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28 | $0 | $28 | 0.02% |
| FK BENEFITS LLC3 Filed as: FK BENEFITS, LLC | 920 SECOND AVENUE SOUTH, SUITE 1100 MINNEAPOLIS, MN 55402 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28 | $0 | $28 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 1.39% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $894 | $10K | 12.12% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $167 | $4K | 4.94% |
| JOHN A WHEATLAND3 Filed as: JOHN ALAN WHEATLAND | 68 EAST DEERPATH ROAD WOOD DALE, IL 60191 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $311 | $0 | $311 | 0.38% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES MINNEAPOLIS | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.14% |
| FK BENEFITS LLC3 Filed as: FK BENEFITS, LLC | 920 SECOND AVENUE SOUTH, SUITE 1100 MINNEAPOLIS, MN 55402 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | $0 | $34 | 0.04% |
| EMPLOYEE SECURITY PLANS3 | 151 EAST 22ND STREET, SUITE 101E LOMBARD, IL 60148 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.03% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | METLIFE LEGAL PLANS | $0 | $4K | $4K | 14.49% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METLIFE LEGAL PLANS | $3K | $277 | $3K | 11.56% |
| USI INSURANCE SERVICES LLC3 | 1 INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | METLIFE LEGAL PLANS | $0 | $57 | $57 | 0.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 64422 ST PAUL, MN 55164 | METLIFE LEGAL PLANS | $0 | $57 | $57 | 0.24% |
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 | 1,730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 791 | $84K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,730 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,730 | $1.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,730 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,730 | — |
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.