| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $71K | $0 | $71K | 11.26% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 800 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $64K | $0 | $64K | 10.18% |
| VANBRIDGE LLC3 Filed as: VANBRIDGE, LLC | 210 HUDSON STREET, SUITE 601 JERSEY CITY, NJ 07311 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 3.06% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $28K | $0 | $28K | 19.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.70% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | TRANSAMERICA LIFE INSURANCE COMPANY | $308 | $0 | $308 | 0.22% |
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 | 726 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 803 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,072 | $628K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,072 | $628K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,072 | $628K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,072 | $628K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,072 | $628K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,072 | $770K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,072 | — |
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.