| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $4K | $41K | 6.73% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS. SERVICES, INC. | 6 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $99 | $35K | 5.67% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF TENNESSEE, INC. | 6 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $41K | $0 | $41K | 11.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 8.26% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS. SERVICES, INC. | 6 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 6.74% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSET LOOP, SUITE 304 MANASSAS, VA 20109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.62% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS. SERVICES, INC. | 6 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.48% |
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 | 603 | 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) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,418 | $613K |
| Vision | VISION SERVICE PLAN | 1,157 | $130K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 603 | $167K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 603 | $167K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 603 | $167K |
| Other(2 contracts, 2 carriers) | BANKERS FIDELITY LIFE INSURANCE COMPANY | 603 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,418 | — |
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.