| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $9K | — | $9K | 1.02% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES LLC | ONE SEAGATE TOLEDO, OH 43604 | VISION SERVICE PLAN | -$1 | — | -$1 | -0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $60K | — | $60K | 7.69% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES LLC | ONE SEAGATE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 2.31% |
| WESTERN BENEFITS GROUP INC3 Filed as: WESTERN BENEFITS GROUP INC. | P.O. BOX 8124 RAPID CITY, SD 57709 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $50K | $8K | $58K | 9.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | — | $24K | 3.84% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES LLC | ONE SEAGATE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 1.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 7.71% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES LLC | ONE SEAGATE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 2.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 4.87% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES LLC | ONE SEAGATE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 2.41% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 2.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 4.89% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES LLC | ONE SEAGATE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 2.41% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 2.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 7.67% |
| FINDLEY DAVIES AGENCY, LLC3 Filed as: FINDLEY DAVIES LLC | ONE SEAGATE TOLEDO, OH 43604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.33% |
| WESTERN BENEFITS GROUP INC3 Filed as: WESTERN BENEFITS GROUP INC. | 821 COLUMBUS STREET RAPID CITY, SD 57701 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 4,497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,526 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,041 | $833K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,497 | $777K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,190 | $619K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,091 | $1.1M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,732 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,732 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.