| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 4.23% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 4.53% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $402 | $4K | 13.61% |
| USI INSURANCE SERVICES LLC | PO BOX 203373 DALLAS, TX 753203373 | EYEMED VISION CARE C/O FIDELITY SECURITY LIFE INSURANCE | $521 | — | $521 | 4.95% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | PO BOX 62817 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE C/O FIDELITY SECURITY LIFE INSURANCE | $517 | — | $517 | 4.92% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $115 | $1K | 16.28% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 152 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE C/O FIDELITY SECURITY LIFE INSURANCE | 152 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $130K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $140K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $29K |
| Stop-loss / reinsurancereinsurance | MEDICA INSURANCE COMPANY | 703 | $528K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 267 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 703 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.