| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 3176 NORFOLK, VA 235143716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 6.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 NONE | Employee (plan) Service code 30 | — | $201K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Employee (plan) Service code 30 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $12K |
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 | 639 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 87 | $214K |
| Dental | BLUE CROSS BLUE SHIELD OF ALABAMA | 87 | $214K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 580 | $27K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 639 | $231K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 639 | $231K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 639 | $231K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 87 | $214K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 639 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.