| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $580K | $0 | $580K | 9.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $150K | $150K | 2.50% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 800 CHARLOTTE, NC 28210 | HUMANA INSURANCE COMPANY | $195K | $0 | $195K | 3.75% |
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN, SUITE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $32K | $0 | $32K | 1.71% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, IL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108K | $3K | $111K | 12.35% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, IL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $17K | $17K | 1.93% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2 | $2K | 0.18% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | UNKNOWN MOORESVILLE, NC 28117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$862 | $0 | -$862 | -0.10% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $108K | $0 | $108K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNUM INSURANCE COMPANY | $0 | $22K | $22K | 3.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $8K | $16K | 13.06% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 250 MARQUETTE AVENUE, SUITE 900 MINNEAPOLIS, MN 55401 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | — | $7K | 5.74% |
| BENEFITFOCUS.COM, INC.3 | PO BOX 123383 DALLAS, TX 75312 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 0.90% |
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 | 13,195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 167 | $1.9M |
| Dental | HUMANA INSURANCE COMPANY | 8,675 | $5.2M |
| Vision | HUMANA INSURANCE COMPANY | 8,675 | $5.2M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13,281 | $6.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13,281 | $6.0M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 167 | $1.9M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 13,281 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,281 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.