| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $929 | $18K | 10.65% |
| FRISSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD STE 105 WEXFORD, PA 15090 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $314 | $6K | 14.83% |
| FRISSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD STE 105 WEXFORD, PA 15090 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $162 | $3K | 16.37% |
| FRISSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD STE 105 WEXFORD, PA 15090 | METROPOLITAN LIFE INSURANCE COMPANY | $514 | — | $514 | 3.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $134 | $2K | 16.97% |
| FRISSORA & ASSOCIATES LLC3 | 103 BRADFORD ROAD STE 105 WEXFORD, PA 15090 | METROPOLITAN LIFE INSURANCE COMPANY | $347 | — | $347 | 2.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $290 | $57 | $347 | 13.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 64422 ST PAUL, MN 55164 | METLIFE LEGAL PLANS | — | $57 | $57 | 2.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 711 EISENHOWER DR. KIMBERLY, WI 54136 | METLIFE LEGAL PLANS | — | $33 | $33 | 1.25% |
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 | 333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 798 | $108K |
| Vision | HEARTLAND | 791 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $167K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $167K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 798 | — |
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.