| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $101K | $0 | $101K | 11.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $46K | $46K | 5.16% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 18.87% |
| SAB DEVELOPMENT, LLC4 | PO BOX 31804 CAPITOL HEIGHTS, MD 20731 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | $0 | $70 | 0.75% |
| AFM VENTURES, INC.4 | PO BOX 1552 UPPER MARLBORO, MD 20773 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | $0 | $70 | 0.75% |
| BUILT, INC.4 | PO BOX 856 ACCOKEEK, MD 20607 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.25% |
| SELF DEFINED INC4 Filed as: SELF DEFINED, INC. | 14300 TURNER WOOTTON PARKWAY UPPER MARLBORO, MD 20774 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $23 | $0 | $23 | 0.25% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $890K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $890K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $890K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $890K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $890K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 454 | $900K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.