| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY (G1728) | $41K | $357 | $42K | 2.09% |
| BROOKS INSURANCE AGENCY3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | COMMUNITY INSURANCE COMPANY (G1728) | $40K | — | $40K | 2.00% |
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY INC. | 1120 MADISON AVENUE TOLEDO, OH 436047538 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $302 | $4K | 4.16% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 436047538 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $27 | $3K | 3.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRUANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $773 | $773 | 0.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $3K | — | $3K | 3.67% |
| BROOKS INSURANCE AGENCY3 Filed as: BROOKS INSURANCE AGENCY, INC. | 1120 MADISON AVENUE TOLEDO, OH 43604 | DELTA DENTAL OF OHIO | $998 | — | $998 | 1.15% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 241 | $2.0M |
| Dental | DELTA DENTAL OF OHIO | 310 | $87K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 241 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 444 | $88K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 444 | $88K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 444 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.