| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 2.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $8K | $27K | $35K | 2.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 8400 NORMANDALE LAKE BLVD MINNEAPOLIS, MA 55437 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 0.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 0.40% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $77K | — | $77K | 29.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | 1 BANK OF AMERICA CENTER 150 NORTH COLLEGE STREET CHARLOTTE, NC 28202 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $30K | — | $30K | 11.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $9K | $7K | $16K | 7.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | 8400 NORMANDALE LAKE BLVD MINNEAPOLIS, MN 55437 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $837 | $837 | 0.38% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 2.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62817 VIRGINA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $72 | $3K | 10.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62989 VIRGINA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $171 | $171 | 0.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 INTERNATIONAL PLAZA STE 400 PHILADELPHIA, PA 19113 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $94 | $94 | 0.31% |
| USI INSURANCE SERVICES LLC3 | 8300 NORMAN CENTER DRIVE SUITE 1000 MINNEAPOLIS, MN 55437 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $81 | $81 | 0.27% |
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 | 2,008 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,569 | $150K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,913 | $1.6M |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 1,913 | $1.5M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,913 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,569 | — |
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.