| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHONEIX, AZ 85016 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $82 | $26K | 4.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $82 | $9K | 1.53% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERIVCES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERIVCES LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 4.50% |
| USI INSURANCE SERVICES LLC3 | 1305 WEST 23RD STREET PHOENIX, AZ 85072 | VISION SERVICE PLAN | $4K | $0 | $4K | 4.42% |
| USI INSURANCE SERVICES LLC3 | 1305 WEST 23RD STREET PHOENIX, AZ 85072 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.88% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHONEIX, AZ 85016 | AETNA LIFE INSURANCE COMPANY | $271 | — | $271 | 0.42% |
| USI INSURANCE SERVICES LLC4 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHONEIX, AZ 85016 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $3K | $0 | $3K | 14.92% |
| KENYATTA T. TURNER4 Filed as: KENYATTA T TURNER | PO BOX 36812 PHOENIX, AZ 85067 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $280 | $0 | $280 | 1.23% |
| SUCCESS STRATEGIES, INC.4 | 20280 NORTH 59TH AVENUE SUITE 115446 GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $78 | $0 | $78 | 0.34% |
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 | 1,740 | 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) | 1,740 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,467 | $587K |
| Vision | VISION SERVICE PLAN | 1,051 | $99K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,760 | $386K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,760 | $386K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,760 | $386K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,760 | $1.1M |
| 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.