| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $120K | $20K | $140K | 6.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 4.77% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS., INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $2K | $0 | $2K | 0.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $7K | $11 | $7K | 5.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 64422 SAINT PAUL, MN 55164 | METLIFE LEGAL PLANS | $0 | $57 | $57 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | METLIFE LEGAL PLANS | $0 | $57 | $57 | 0.05% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $0 | $31 | $31 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METLIFE LEGAL PLANS | $0 | $2 | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 | UKNOWN NEW YORK, NY 10121 | AETNA LIFE INSURANCE COMPANY | $0 | $48 | $48 | 0.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $275 | $2K | 9.34% |
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 | 1,929 | 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) | 1,929 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 13 | $542K |
| Dental | AETNA LIFE INSURANCE COMPANY | 242 | $36K |
| Vision | VISION SERVICE PLAN | 944 | $136K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $2.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $2.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 13 | $542K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,929 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,929 | — |
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.