| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL | $24K | $97 | $24K | 1.51% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING INC | 5880 VENTURE DR STE D DUBLIN, OH 430176141 | MEDICAL MUTUAL | $5K | $2K | $7K | 0.41% |
| USI INSURANCE SERVICES LLC3 | 5880 VENTURE DRIVE DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.18% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING INC | 5880 VENTURE DR DUBLIN, OH 43017 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $672 | — | $672 | 0.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.87% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING INC | 5880 VENTURE DR STE D DUBLIN, OH 430176141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 3.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.42% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING INC | 5880 VENTURE DR STE D DUBLIN, OH 430176141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $624 | $858 | $1K | 5.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 243662889 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.35% |
| ACCELERATED FINANCIAL PLANNING3 Filed as: ACCELERATED FINANCIAL PLANNING INC | 5880 VENTURE DR STE D DUBLIN, OH 430176141 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $305 | $628 | $933 | 5.05% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 159 | $1.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $82K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $25K |
| Prescription drug | MEDICAL MUTUAL | 159 | $1.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
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.