| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $47K | $0 | $47K | 2.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $40K | $0 | $40K | 2.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $159K | $18K | $177K | 15.84% |
| ANDREW ZERBOCK3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $12K | $0 | $12K | 10.06% |
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 | 2,749 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 134 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 226 | $1.7M |
| Vision | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 2,209 | $116K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,749 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,749 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,749 | $1.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 226 | $1.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,749 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,749 | — |
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."
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.