| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HEATHPARTNERS INSURANCE COMPANY | $30K | $51 | $30K | 1.56% |
| USI INSURANCE SERVICES LLC3 | 200 NORTH ADAMS STREET GREEN BAY, WI 54301 | HEATHPARTNERS INSURANCE COMPANY | $9K | $16 | $9K | 0.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 7.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $806 | $0 | $806 | 6.81% |
| ASSOCIATED BNFTS & RISK CONSULTING3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | LEGALPLANS, USA | $526 | $0 | $526 | 10.00% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEATHPARTNERS INSURANCE COMPANY | 250 | $1.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $12K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 183 | $152K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 183 | $152K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 183 | $152K |
| Prescription drug | HEATHPARTNERS INSURANCE COMPANY | 250 | $1.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 183 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.