| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | — | $35K | 9.08% |
| UMR, INC.3 Filed as: UMR, INC | 11 SCOTT ST, STE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | PRINCIPAL FINANCIAL INSURANCE COMPANY | $4K | $4K | $8K | 17.80% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY W LAKE HILLS, TX 787466446 | PRINCIPAL FINANCIAL INSURANCE COMPANY | — | $1K | $1K | 3.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 9394 WEST DODGE ROAD, STE 250 OMAHA, NE 68114 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 9394 WEST DODGE ROAD, STE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $16 | $3K | 20.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 9394 WEST DODGE ROAD, STE 250 OMAHA, NE 68114 | AMERICAN HERITAGE LIFE INSURANCE CARRIER | $539 | — | $539 | 10.02% |
| HEALTHCARE SOLUTIONS GROUP, INC.5 Filed as: HEALTHCARE SOLUTIONS GROUP | PO BOX 1309 MUSKOGEE, OK 74402 | HEALTHCARE SOLUTIONS GROUP | — | $17K | $17K | — |
| MARCOTTE INSURANCE AGENCY INC3 Filed as: MARCOTTE GROUP BENEFITS | 11422 MIRACLE HILLS DRIVE #100 OMAHA, NE 68154 | HEALTHCARE SOLUTIONS GROUP | — | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $110K |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $382K |
| Dental | HEALTHCARE SOLUTIONS GROUP | 193 | $0 |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 134 | $19K |
| Short-term disability | HEALTHCARE SOLUTIONS GROUP | 193 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $382K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 43 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.