| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRUANCE SERVICES LLC | ONE INTERNATIONAL PLZ SUITE 400 PHILADELPHIA, PA 19113 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 20.00% |
| USI INSURANCE SERVICES LLC3 | ENTERPRISE LICENSING CENTER 601 UNION ST SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $243 | $243 | 0.22% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 13.90% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD STE 210 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $405 | $4K | 4.17% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRUANCE SERVICES LLC | 3850 N CAUSEWAY BLVD STE 210 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $355 | — | $355 | 4.09% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $939 | — | $939 | 16.65% |
| USI INSURANCE SERVICES LLC3 | 3850 N CAUSEWAY BLVD STE 210 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $284 | — | $284 | 5.04% |
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 | 427 | 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) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 427 | $109K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $93K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 427 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.