| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 15 IONIA AVE SW 540 GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE CO | $59K | — | $59K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 16.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRUANCE SERVICES LLC | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 24.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRUANCE SERVICES LLC | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM INSURANCE COMPANY | $6K | $1K | $7K | 24.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRUANCE SERVICES LLC | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 24.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 3.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $0 | $871 | $871 | 4.00% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NOT RELATED | Claims processing Service code 12 | — | $59K |
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 | 398 | 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) | 398 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM INSURANCE COMPANY | 113 | $22K |
| Vision | AETNA LIFE INSURANCE CO | 521 | $393K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $102K |
| Short-term disability | UNUM INSURANCE COMPANY | 123 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 117 | $89K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 521 | $393K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 398 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.