| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $4K | $54K | 15.82% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE AND BENEFITS SERVICES | 1215 MANOR DRIVE, SUITE 200 MECHANICSBURG, PA 17055 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 6 PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | FEDERAL INSURANCE COMPANY | $356 | $0 | $356 | 14.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66995 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $120 | $0 | $120 | 6.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $36 | $0 | $36 | 1.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $0 | $20 | $20 | 1.03% |
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 | 385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,018 | $143K |
| Vision | HEARTLAND | 1,020 | $30K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $338K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $338K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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.