| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 308 NORTH 21ST STREET, SUITE 100 SAINT LOUIS, MO 63103 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $70K | $70K | 2.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF MISSOURI | $12K | $3K | $15K | 5.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $20K | $0 | $20K | 9.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.49% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES, INC. | PO BOX 441 DES MOINES, IA 50302 | HARTFORD LIFE AND ACCIDENT | $1 | $0 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 308 NORTH 21ST STREET, SUITE 100 SAINT LOUIS, MO 63103 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.23% |
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 | 545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 690 | $2.8M |
| Dental | DELTA DENTAL OF MISSOURI | 759 | $262K |
| Vision | VISION SERVICE PLAN | 318 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 550 | $204K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 550 | $204K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 690 | $2.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 550 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 759 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.