| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $188K | $0 | $188K | 11.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $0 | $35K | 2.20% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $0 | $17K | 1.04% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D. BOUDREAUX | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $891 | $0 | $891 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $9K | $0 | $9K | 10.00% |
| WORKPLACE SOLUTIONS, INC.3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $3K | $0 | $3K | 5.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $1K | $57 | $1K | 2.68% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D. BOUDREAUX | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $208 | $0 | $208 | 0.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $155 | $155 | 0.32% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $39 | $39 | 0.08% |
| WORKPLACE SOLUTIONS, INC.3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | METROPOLITAN GENERAL INSURANCE COMPANY | $245 | $0 | $245 | — |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $113 | $0 | $113 | — |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D. BOUDREAUX | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | METROPOLITAN GENERAL INSURANCE COMPANY | $19 | $0 | $19 | — |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $14 | $14 | — |
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 | 1,449 | 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) | 1,449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 923 | $1.6M |
| Vision | VISION SERVICE PLAN | 791 | $86K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 923 | $1.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 923 | $1.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 923 | $1.6M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 923 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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.
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.