| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | $9K | $3K | $11K | 16.67% |
| EDWARD BRIGGS3 | 300 S WACKER DR STE 1000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | $2K | $0 | $2K | 3.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $1K | $630 | $2K | 8.38% |
| EDWARD C BRIGGS3 | 300 S WACKER DR STE 1000 CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $425 | $0 | $425 | 1.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 234662937 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.14% |
| RELATION INSURANCE SERVICES OF CA3 Filed as: RELATION INSURANCE SERVICES | PO BOX 129 MEDINAH, IL 60157 | VISION SERVICE PLAN | $353 | $0 | $353 | 1.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $391 | $122 | $513 | 5.40% |
| RELATION INSURANCE INC3 Filed as: RELATIONS INSURANCE SERVICES | 2300 CONTRA COSTA BLVD STE 525 PLEASANT HILL, CA 94523 | UNUM INSURANCE COMPANY | $435 | $2 | $437 | 4.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $194K |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 187 | $24K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | 131 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.