| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $173K | — | $173K | 15.08% |
| TRUVERIS, INC3 Filed as: TRUVERIS INC | DEPT CH 10826 PALATINE, IL 60055 | ANTHEM INSURANCE COMPANIES, INC. | — | $36K | $36K | 10.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE COMPANIES, INC. | — | $12K | $12K | 3.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES - NY | 100 SUMNMIT LAKE DRIVE STE 400 VALHALLA, NY 10595 | LEGAL PLANS, USA | $6K | — | $6K | 10.00% |
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 | 1,999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,999 | $1.1M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,999 | $1.1M |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,999 | $1.1M |
| Other(2 contracts, 2 carriers) | WAYNE CORPORATION | 2,061 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,704 | — |
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.