| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-OH | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $2K | — | $2K | 9.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $230 | $2K | 15.39% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST, FLOOR 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $197 | $1K | 17.93% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST, FLOOR 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 0.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $184 | $1K | 16.33% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST, FLOOR 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-OH | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $307 | — | $307 | 9.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-OH | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $34 | — | $34 | 10.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | — |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 233 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $176K |
| Vision(3 contracts) | EYEMED VISION CARE | 272 | $25K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $176K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $176K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.