| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $29K | $29K | 1.25% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT RD NE SUITE 800 ATLANTA, GA 30305 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $31K | — | $31K | 9.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $3K | $3K | 1.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203318 DALLAS, TX 75320 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $591 | $591 | 0.19% |
| AON CONSULTING INC3 | 39340 TREASURY CENTER CHICAGO, IL 606949300 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $77 | $77 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING COMPANY | 601 UNION ST. #1000 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $46 | $46 | 0.05% |
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 | 8,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,852 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DEAN HEALTH PLAN INC | 2,226 | $11.3M |
| Vision | VISION SERVICE PLAN | 12,853 | $914K |
| Life insurance | AMERICAN FAMILY LIFE INSURANCE COMPANY | 8,244 | $5.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 9,773 | $2.3M |
| Prescription drug(3 contracts, 3 carriers) | UNITY HEALTH PLANS INSURANCE CORPORATION | 3,813 | $22.3M |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,766 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,853 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.