| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES NA | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | — | $1K | $1K | 0.13% |
| USI INSURANCE SERVICES LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 2.07% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST 9TH STREET SUITE 3800 CLEVELAND, OH 44114 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY | $16K | — | $16K | 10.19% |
| USI INSURANCE SERVICES LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.42% |
| USI INSURANCE SERVICES LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 16.18% |
| USI INSURANCE SERVICES LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 26466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 16.16% |
| USI INSURANCE SERVICES LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 26466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.60% |
| USI INSURANCE SERVICES LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $563 | — | $563 | 3.25% |
| USI INSURANCE SERVICES LLC | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450 | — | $450 | 3.60% |
| USI INSURANCE SERVICES LLC | 1301 EAST 9TH STREET SUITE 3800 CLEVELAND, OH 44114 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY | $59 | — | $59 | 10.79% |
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 | 1,881 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 3,054 | $855K |
| Vision(2 contracts) | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE COMPANY | 2,626 | $155K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $220K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $267K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,054 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.