| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $16K | $0 | $16K | 7.32% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 4.53% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP, INC. | 100 SOUTH CREST DRIVE ATLANTA, GA 30281 | STANDARD INSURANCE COMPANY | $0 | $8K | $8K | 3.77% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET, 3RD FLOOR MERIDEN, CT 06450 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.41% |
| MWAGIA INC3 Filed as: MWAGIA, INC. | 1701 FIRST AVENUE ROCK ISLAND, IL 61201 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 8.54% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON STREET, 3RD FLOOR MERIDEN, CT 06450 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 212 BRADY STREET, SUITE 4B DAVENPORT, IA 52801 | HARTFORD LIFE AND ACCIDENT | $233 | $78 | $311 | 20.06% |
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 | 1,248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 350 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 354 | $1.9M |
| Vision | STANDARD INSURANCE COMPANY | 734 | $222K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 734 | $382K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 354 | $1.9M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 734 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.