| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE | $308K | — | $308K | 1.47% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42K | $42K | 2.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $31 | $35K | 2.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 1.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.10% |
| USI INSURANCE SERVICES LLC3 | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 1.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | — | $3K | $3K | 0.21% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. SUITE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $20K | $43K | 4.69% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. SUITE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $15K | $32K | 4.66% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. SUITE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $9K | $18K | 4.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE NATIONAL INC | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $3K | — | $3K | 1.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | — | $2K | 0.63% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 4.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $31 | $33K | 31.36% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $31 | $26K | 32.57% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $833 | $833 | 1.04% |
| USI INSURANCE SERVICES LLC3 | 1000 BURNETT AVE STE 330 CONCORD, CA 94520 | AETNA LIFE INSURANCE CO | $2K | — | $2K | 2.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $31 | $22K | 30.80% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLZ STE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $660 | $660 | 0.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75 | $75 | 0.11% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. SUITE 380 TORRANCE, CA 90503 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $94 | $94 | 1.12% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. SUITE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $58 | $58 | 1.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $266 | $266 | — |
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 | 2,115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 1,664 | $22.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,965 | $1.6M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,809 | $315K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,115 | $682K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,115 | $914K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,115 | $379K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 1,664 | $22.2M |
| Other(8 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,115 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,115 | — |
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.