| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | $0 | $43K | 8.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $20K | $20K | 4.21% |
| USI INSURANCE SERVICES LLC Filed as: USI INS SERVICES LLC | P O BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 1.07% |
| UMR, INC.3 Filed as: UMR, INC | 115 W WAUSAU AVE WAUSAU, VA 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 0.39% |
| USI INSURANCE SERVICES LLC0 Filed as: USI INS SERVICES LLC | 9394 WEST DODGE ROAD SUITE 250 OMAHA, VA 681143319 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $83 | $16K | 9.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62817 VIRGINIA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62817 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.81% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 9394 WEST DODGE ROAD SUITE 250 OMAHA, NE 681143319 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $904 | $0 | $904 | 7.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 245 N WACO SUITE 402 WICHITA, KS 67202 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $170 | $0 | $170 | 1.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62817 VIRGINIA BEACH, VA 234662939 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $108 | $0 | $108 | 0.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 9394 WEST DODGE ROAD SUITE 250 OMAHA, NE 681143319 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $608 | $0 | $608 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $72K |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $484K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $645K |
| Vision(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 289 | $505K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $645K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $645K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 649 | $645K |
| Prescription drug | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $484K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 198 | $967K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 649 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.