| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES INC | PO BOX 62889 VIGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $92K | — | $92K | 9.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | USI INS SERVICES LLC STE 450 INDIANAPOLIS, IN 46240 | AMERICAN UNITED LIFE | $13K | — | $13K | 6.27% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INS SERVICES LLC | 100 SUMMITT LAKE DR SUITE 400 VALHALLA, NY 10595 | HEALTH RESOURCES INC | $7K | — | $7K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-PO | BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE | $3K | $321 | $4K | 10.80% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HEALTH RESOURCES INC | 536 | $143K |
| Vision | ANTHEM INSURANCE | 0 | $34K |
| Life insurance | AMERICAN UNITED LIFE | 362 | $211K |
| Short-term disability | AMERICAN UNITED LIFE | 362 | $211K |
| Long-term disability | AMERICAN UNITED LIFE | 362 | $211K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.