| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $109K | $36 | $109K | 17.59% |
| USI INSURANCE SERVICES LLC3 | 7 EAST CONGRESS STREET, SUITE 1002 SAVANNAH, GA 31401 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $51 | $23K | 3.73% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE EAST CHARLESTON, WV 25311 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $51 | $16K | 2.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $18K | 9.53% |
| USI INSURANCE SERVICES LLC3 | 3733 PARK EAST DRIVE, SUITE 250 BEACHWOOD, OH 44122 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $414 | $0 | $414 | 15.00% |
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 | 1,528 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,801 | $618K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 420 | $191K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,801 | $625K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,801 | — |
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.