| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.4 Filed as: BENEFITS 7 | 780 OLD WHEATLAND RD VINCENNES, IN 47591 | SYMETRA LIFE IMSURANCE | $128K | — | $128K | 18.19% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC. | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | AMERICAN UNITED LIFE | $7K | — | $7K | 5.41% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INS SERVICES LLC | BOX 66119 VIRGINIA BEACH, VA 23466 | AMERICAN UNITED LIFE | $655 | — | $655 | 0.54% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES INC | 100 SUMMIT LAKE DR STE 400 VALJALLA, NY 10595 | PARAMOUNT DENTAL | $3K | — | $3K | 3.35% |
| HR BENEFITS SERVICES, INC. Filed as: BENEFITS 7 INC | 780 OLD WHEATLAND RD VINCENNES, IN 47591 | PARAMOUNT DENTAL | $2K | — | $2K | 1.65% |
| HR BENEFITS SERVICES, INC. Filed as: BENEFITS 7 | 903 N 7TH STREET VINCENNES, IN 47591 | AMERICAN UNITED LIFE | $9K | — | $9K | 12.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC-PO | BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE | $2K | — | $2K | 5.50% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7 INC | 903 N 7TH STREET VINCENNES, IN 47591 | ANTHEM INSURANCE | $2K | — | $2K | 5.34% |
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(2 contracts) | PARAMOUNT DENTAL | 435 | $104K |
| Vision | ANTHEM INSURANCE | 299 | $34K |
| Life insurance | AMERICAN UNITED LIFE | 293 | $68K |
| Long-term disability | AMERICAN UNITED LIFE | 301 | $122K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE IMSURANCE | 83 | $834K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.
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.