| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 13075 MANCHESTER ROAD, SUITE 325 ST LOUIS, MO 63131 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 10.11% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.73% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $495 | $495 | 2.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 27.18% |
| SECURA CONSULTANTS LLC3 | 6465 WAYZATA BOULEVARD, SUITE 290 MINNEAPOLIS, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.71% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, VA 54136 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI CONSULTING GROUP, INC. | 725 RXR PLAZA TOWER EAST UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $423 | $0 | $423 | 2.81% |
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 | 356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 421 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 375 | $85K |
| Short-term disability | STANDARD INSURANCE COMPANY | 375 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 375 | $85K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 460 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.