| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY (G1728) | $83K | $0 | $83K | 4.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELM ST 24TH FL CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY (G1728) | $0 | $2K | $2K | 0.08% |
| USI INSURANCE SERVICES LLC3 | 1 SEAGATE FL 26 TOLEDO, OH 436041527 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $51 | $7K | 7.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF OHIO | $4K | $0 | $4K | 5.19% |
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 | 340 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 335 | $1.8M |
| Dental | DELTA DENTAL OF OHIO | 340 | $86K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 335 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $95K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $95K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.