| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $9K | $28K | 10.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD, SUITE 600 RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.73% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 2.03% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $11 | $9K | 10.56% |
| LORI LYNN PIERCE3 Filed as: LORI L. PIERCE AND OTHER AGENTS | 5909 CINNAMON OAKS DRIVE CORPUS CHRISTI, TX 78414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $294 | $3K | 3.89% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $111 | $1K | 1.79% |
| ASHLEY MARIA HOUTMAN3 | 3108 WESTEDGE BOULEVARD MOUND, MN 55364 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $719 | $136 | $855 | 1.03% |
| PAMELA SCHLEE JOHNSON3 | 12799 490TH STREET BECINDA, MN 56678 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | $0 | $245 | 0.29% |
| ERNESTO ELOY GARCIA3 | 4710 FALLON PLACE DALLAS, TX 75227 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $243 | $0 | $243 | 0.29% |
| LORI LYNN PIERCE3 | 5909 CINNAMON OAKS DRIVE CORPUS CHRISTI, TX 78414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $0 | $241 | 0.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $3K | $0 | $3K | 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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 488 | $133K |
| Vision | VISION SERVICE PLAN | 283 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 558 | $273K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 558 | $273K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 558 | $273K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 558 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 558 | — |
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.