| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE CO. | $0 | $72K | $72K | 4.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE CO. | — | $8K | $8K | 0.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE CO. | $3K | $0 | $3K | 0.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 0.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $593 | $0 | $593 | 8.65% |
| CGF INSURANCE LLC3 | — | TRIPLE-S SALUD, INC. | $204 | $0 | $204 | 5.01% |
| USI INSURANCE SERVICES LLC3 | 308 NORTH 21ST STREET ST. LOUIS, MO 63103 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 30.91% |
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 | 1,515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,515 | $1.5M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 1,515 | $1.5M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,515 | $1.5M |
| Life insurance | AETNA LIFE INSURANCE CO. | 1,515 | $1.5M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 1,515 | $1.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 1,515 | $1.5M |
| Prescription drug | TRIPLE-S SALUD, INC. | 1 | $4K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,515 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.