| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | AETNA LIFE INSURANCE CO. | $19K | — | $19K | 1.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $31 | $9K | 10.02% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST, FLOOR 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $88 | $88 | 0.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $31 | $6K | 13.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $539 | $539 | 1.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $37 | $37 | 0.09% |
| USI INSURANCE SERVICES LLC3 | 7 E CONGRESS ST STE 1002 SAVANNAH, GA 314013396 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $2K | — | $2K | 11.99% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST, FLOOR 8 BUFFALO, NY 142042265 | EYEMED VISION CARE | $911 | — | $911 | 5.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $31 | $2K | 15.52% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST, FLOOR 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $537 | $537 | 5.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $160 | $160 | 1.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $31 | $1K | 15.19% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST, FLOOR 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $351 | $351 | 4.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $101 | $101 | 1.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $31 | $1K | 15.33% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST, FLOOR 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $334 | $334 | 4.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $94 | $94 | 1.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.10% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 167 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $94K |
| Vision(4 contracts) | EYEMED VISION CARE | 130 | $20K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $136K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $41K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
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.