| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $15K | $30K | 4.06% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $14K | $53K | 23.89% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31K | $12K | $43K | 21.02% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $14K | $43K | 22.58% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $7K | $28K | 20.36% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889, ATTN MIDWEST VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE COMPANIES INC | $1K | — | $1K | 1.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE CO | $8K | $2K | $10K | 25.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE CO. | $7K | $301 | $7K | 20.84% |
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 | 1,386 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 902 | $729K |
| Vision | ANTHEM INSURANCE COMPANIES INC | 1,760 | $123K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,340 | $395K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 304 | $136K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,340 | $224K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,340 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,760 | — |
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.