| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $51K | $51K | 6.00% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 2.00% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 19.12% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $18K | $18K | 6.21% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 6.22% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | — | $36K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 6.87% |
| USI INSURANCE SERVICES LLC3 | P. O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | — | $35K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 4.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE CO | $9K | — | $9K | 20.01% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE CO | — | $4K | $4K | 9.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE CO. | $8K | — | $8K | 20.06% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE CO. | — | $4K | $4K | 9.15% |
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 | 1,575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,105 | $855K |
| Vision | ANTHEM INSURANCE COMPANIES INC | 2,067 | $175K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,593 | $484K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $235K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,575 | $288K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,593 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,067 | — |
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.