| 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 | $166K | $0 | $166K | 11.04% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 0.91% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D. BOUDREAUX | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | SUN LIFE ASSURANCE COMPANY OF CANADA | $619 | $0 | $619 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $8K | $0 | $8K | 10.00% |
| WORKPLACE SOLUTIONS, INC.3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $740 | $10K | 15.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $279 | $3K | 4.58% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU BOUDREAUX | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | METROPOLITAN LIFE INSURANCE COMPANY | $334 | $0 | $334 | 0.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| WORKPLACE SOLUTIONS, INC.3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $23 | $2K | 6.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $72 | $1K | 3.17% |
| BEAU DAVID BOUDREAUX3 Filed as: BEAU D. BOUDREAUX | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | METROPOLITAN GENERAL INSURANCE COMPANY | $186 | $0 | $186 | 0.50% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $48 | $48 | 0.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $12 | $12 | 0.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62989 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $9 | $9 | 0.02% |
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 | 1,352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $1.5M |
| Vision | VISION SERVICE PLAN | 774 | $83K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $1.5M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $1.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $1.5M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 915 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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.