| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 235143716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 235143716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | PO BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $589 | — | $589 | 1.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | CONSUMERS LIFE INSURANCE COMPANY | $2K | $807 | $3K | 15.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | ATTN MIDWEST DIRECT BILL VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.02% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES INC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113 | — | $113 | 0.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC. | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $13K | $825 | $14K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 312 ELM ST, 24TH FLOOR CINCINNATI, OH 45202 | MEDICAL MUTUAL OF OHIO | $5K | $294 | $5K | — |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $65K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 226 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 91 | $36K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 187 | $0 |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.