| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL | $17K | $5K | $22K | 2.46% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL | $9K | $3K | $12K | 1.31% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $15K | — | $15K | 5.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | P O BOX 62889 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $171 | — | $171 | 0.06% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $2K | — | $2K | 6.25% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST | 222 S RIVERSIDE PLZ CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $824 | $824 | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | P O BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $593 | $0 | $593 | 2.16% |
| AMERICAN HERITAGE LIFE INSURANCE CO3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | ALLSTATE | $1K | — | $1K | 10.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, LLC | P O BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $493 | — | $493 | 6.33% |
| USI INSURANCE SERVICES LLC3 | 6393 OAK TREE BLVD STE 100 INDEPENDENCE, OH 44131 | VISION SERVICE PLAN | $151 | — | $151 | 1.94% |
| AMERICAN HERITAGE LIFE INSURANCE CO3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | ALLSTATE | $346 | — | $346 | 9.31% |
| AMERICAN HERITAGE LIFE INSURANCE CO3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | ALLSTATE | $74 | — | $74 | 9.65% |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | MEDICAL MUTUAL | 165 | $1.2M |
| Dental | DELTA DENTAL OF OHIO | 125 | $38K |
| Vision | VISION SERVICE PLAN | 67 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $27K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $27K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.