| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNION SECURITY INSURANCE COMPANY | — | $208K | $208K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA, SUITE 630 CHICAGO, IL 60606 | UNION SECURITY INSURANCE COMPANY | $162K | — | $162K | 7.78% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNION SECURITY INSURANCE COMPANY | $105K | — | $105K | 5.06% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA, SUITE 630 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $60 | $20K | 2.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.27% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA, SUITE 630 CHICAGO, IL 60606 | UNION SECURITY INSURANCE COMPANY | $35K | — | $35K | 11.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNION SECURITY INSURANCE COMPANY | — | $24K | $24K | 7.68% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNION SECURITY INSURANCE COMPANY | $12K | — | $12K | 4.03% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA, SUITE 630 CHICAGO, IL 60606 | UNION SECURITY INSURANCE COMPANY | $30K | — | $30K | 10.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNION SECURITY INSURANCE COMPANY | — | $21K | $21K | 7.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | UNION SECURITY INSURANCE COMPANY | $11K | — | $11K | 4.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $14K | — | $14K | 6.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $114 | — | $114 | 8.58% |
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 | 2,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,794 | $986K |
| Vision(2 contracts) | EYEMED VISION CARE | 3,386 | $232K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 2,309 | $2.1M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 2,309 | $2.1M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 2,309 | $2.1M |
| Other(3 contracts) | UNION SECURITY INSURANCE COMPANY | 2,309 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,794 | — |
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.