| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | STANDARD INSURANCE COMPANY | $0 | $56K | $56K | 2.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $0 | $55K | $55K | 2.78% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE, SUITE 1401 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $45K | $0 | $45K | 2.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | PO BOX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 1.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 1 CALIFORNIA STREET, SUITE 400 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $3 | $0 | $3 | 0.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | METROPOLITAN LIFE INSURANCE COMPANY | $74 | $7 | $81 | 8.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS. CENTER | 1390 WILLOW PASS ROAD, SUITE 800 CONCORD, CA 94520 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | $53 | $78 | 8.02% |
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 | 3,928 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 385 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,994 | $240K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,300 | $2.0M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,300 | $2.0M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,300 | $2.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 3,300 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,300 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.