| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $77K | $6K | $83K | 4.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICERS LLC | PO BOX 62817 VIRGINIA CITY, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $18K | 10.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $418 | $7K | 4.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA CITY, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $281 | $5K | 2.77% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | DELTA DENTAL OF COLORADO | $7K | $0 | $7K | 4.57% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FEDERAL GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.93% |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 538 | $2.0M |
| Dental | DELTA DENTAL OF COLORADO | 441 | $164K |
| Vision | VISION SERVICE PLAN | 169 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $175K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $175K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $175K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 538 | $2.0M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.