| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62817 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $15K | $0 | $15K | 12.87% |
| JENNON CARUTH3 Filed as: JENNON W CARUTH | 7825 WASHINGTON AVE S SUITE 710 BLOOMINGTON, MN 55439 | STANDARD INSURANCE COMPANY | $3K | $4K | $7K | 6.01% |
| ASSOCIATED FINANCIAL GROUP LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVCIES LLC | P.O. BOX 62817 VIRGINIA BEACH, VA 234662817 | VISION SERVICE PLAN | $1K | $0 | $1K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $60 | $0 | $60 | 0.50% |
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 | 88 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 63 | $682K |
| Dental | STANDARD INSURANCE COMPANY | 88 | $115K |
| Vision | VISION SERVICE PLAN | 58 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 88 | $115K |
| Short-term disability | STANDARD INSURANCE COMPANY | 88 | $115K |
| Long-term disability | STANDARD INSURANCE COMPANY | 88 | $115K |
| Prescription drug | WELLMARK BLUE CROSS BLUE SHIELD OF IOWA | 63 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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."
No prospect flags tripped on this filing.