| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, IL 54136 | RELIASTAR LIFE INSURANCE COMPANY | $46K | $0 | $46K | 6.15% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $34K | $0 | $34K | 4.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | RELIASTAR LIFE INSURANCE COMPANY | $33K | $0 | $33K | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | RELIASTAR LIFE INSURANCE COMPANY | $17K | $0 | $17K | 2.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 3.83% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, VA 54136 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.18% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | WYSSTA INSURANCE COMPANY, INC. | $6K | $0 | $6K | 4.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 245 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | WYSSTA INSURANCE COMPANY, INC. | $6K | $0 | $6K | 4.01% |
| SECURA CONSULTANTS LLC3 | 6465 WAYZATA BOULEVARD, SUIT 920 MINNEAPOLIS, MN 55426 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI CONSULTING GROUP | 725 RXR PLAZA, TOWER EAST UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.97% |
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 | 1,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY, INC. | 1,052 | $156K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,261 | $747K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,834 | $480K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,261 | $809K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,261 | — |
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.