| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC5 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | MERITAIN HEALTH | $81K | $0 | $81K | 4.86% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 2111 EAST HIGHLAND AVENUE SUITE B210 PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | $48K | $0 | $48K | 3.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | HCC LIFE INSURANCE COMPANY | $16K | $0 | $16K | 1.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE LLC | 711 EISENHOWER DR KIMBERLY, WI 54136 | DDMN ASO, LLC | $14K | $0 | $14K | 1.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | MOUNTAIN-MINNESOTA PO BOX 62817 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46K | $0 | $46K | 4.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 8000 NORMAN CENTER DR STE 1000 BLOOMINGTON, MN 554371177 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 3.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | WEST - SAN FRANCISCO PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 2.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 8000 NORMAN CENTER DR BLOOMINGTON, MN 55437 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Contract Administrator Service code 13 | — | $311K |
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NONE | Contract Administrator; Plan Administrator Service code 13 | — | $57K |
| DDMN ASO, LLC EIN 41-1905554 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| WEX HEALTH INC EIN 90-0058554 NONE | Contract Administrator Service code 13 | — | $24K |
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 | 1,107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 835 | $1.7M |
| Dental | DDMN ASO, LLC | 1,067 | $1.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,375 | $921K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,375 | $921K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 833 | $1.3M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,375 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,375 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.