| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MERITAIN HEALTH3 | 15 IONIA AVE SW 540 GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE CO | $80K | — | $80K | 17.65% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 17.85% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $18K | 23.55% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM INSURANCE COMPANY | $8K | $921 | $9K | 22.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSRUANCE SERVICES LLC | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 24.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $8K | $767 | $9K | 31.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC - HOUSTON | 9811 KATY FREEWAY STE 500 HOUSTON, TX 77024 | UNUM INSURANCE COMPANY | $7K | $679 | $8K | 31.61% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 159 LONGVIEW STE B DESTREHAN, LA 70047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NOT RELATED | Claims processing Service code 12 | — | $80K |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM INSURANCE COMPANY | 123 | $24K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $108K |
| Short-term disability | UNUM INSURANCE COMPANY | 152 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $105K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 540 | $451K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 430 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.