| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 4300 MARKET POINTE DR, SUITE 600 MINNEAPOLIS, MN 554355455 | RELIASTAR LIFE INSURANCE COMPANY | $132K | — | $132K | 6.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203383 DALLAS, TX 753203380 | RELIASTAR LIFE INSURANCE COMPANY | $42K | — | $42K | 1.98% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO/USI INS-ST. LOUIS PARK | PO BOX 203373 DALLAS, TX 753203373 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 9.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER. USA, INC | 400 HIGHWAY 169 SOUTH, 8TH FLOOR ST. LOUIS PARK, MN 55426 | HYATT LEGAL PLANS, INC. | $3K | $209 | $3K | 5.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL, IN | 8000 NORMAN CENTER DR., SUITE 400 BLOOMINGTON, MN 55413 | HYATT LEGAL PLANS, INC. | $3K | $320 | $3K | 5.40% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SER. USA, INC | PO BOX 203318 DALLAS, TX 75320 | HYATT LEGAL PLANS, INC. | — | $213 | $213 | 0.34% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: WACHOVIA INSURANCE SERVICES, INC. | 227 W. TRADE ST., SUITE 1500 A CHARLOTTE, NC 28202 | HYATT LEGAL PLANS, INC. | — | $171 | $171 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO | 3475 PIEDMONT RD NE, SUITE 800 ATLANTA, GA 30305 | HYATT LEGAL PLANS, INC. | — | $66 | $66 | 0.11% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO/USI INS-ST. LOUIS PARK | PO BOX 203373 DALLAS, TX 753203373 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $116 | — | $116 | 10.88% |
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 | 3,869 | 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) | 3,869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,543 | $131K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,483 | $2.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,483 | $2.1M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 4,483 | $2.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,483 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,483 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.