| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CTR DR STE 400 BLOOMINGTON, MN 55437 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.43% |
| USI INSURANCE SERVICES LLC2 | 8000 NORMAN CTR DR STE 400 BLOOMINGTON, MN 55437 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.41% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CTR DR STE 400 BLOOMINGTON, MN 55437 | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | $7K | — | $7K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | — | $2K | $2K | 4.55% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CTR DR STE 400 BLOOMINGTON, MN 55437 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $827 | $827 | 4.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLLC | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | EYEMED VISION | $645 | — | $645 | 9.98% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION | 143 | $6K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | 287 | $60K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $86K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSUANCE COMPANY | 287 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.