| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | BLUECROSS BLUESHIELD OF ILLINOIS | $15K | $1 | $15K | 4.60% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA CHICAGO, IL 60606 | AETNA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.50% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $693 | $107 | $800 | 9.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $225 | $0 | $225 | 2.55% |
| USI INSURANCE SERVICES LLC3 | 100 SOUTH WACKER DRIVE 16TH FLOOR CHICAGO, IL 60606 | METLIFE LEGAL PLANS | $0 | $41 | $41 | 0.46% |
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 | 497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 966 | $326K |
| Vision | VISION SERVICE PLAN | 416 | $32K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 614 | $126K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 614 | $126K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 614 | $126K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 614 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 966 | — |
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.