| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | $93K | $2K | $94K | 1.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | KAISER FOUNDATION HEALTH PLAN, INC. | $21K | — | $21K | 1.68% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 802021260 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 0.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | KAISER FOUNDATION HEALTH PLAN, INC. | $17K | — | $17K | 1.75% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 802021260 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 0.35% |
| OPTAVISE, LLC3 Filed as: OPTAVISE LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | HARTFORD LIFE AND ACCIDENT | $38K | — | $38K | 11.36% |
| USI INSURANCE SERVICES LLC3 | ENTERPRISE LICENSING CENTER 601 UNION STREET SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | — | $11K | $11K | 3.34% |
| IMA, INC.3 Filed as: IMA INC | 95 SOUTH STATE STREET SUITE 1300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 1.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $926 | $926 | 0.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $380 | $488 | $868 | 0.26% |
| USI INSURANCE SERVICES LLC3 | 4270 LA JOLLA VILLAGE DRIVE SAN DIEGO, CA 92112 | MEDIEXCEL HEALTH PLAN | $8K | — | $8K | 5.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | KAISER FOUNDATION HEALTH PLAN, INC. | $955 | — | $955 | 1.72% |
| IMA, INC.3 | 1705 17TH STREET SUITE 100 DENVER, CO 802021260 | KAISER FOUNDATION HEALTH PLAN, INC. | $164 | — | $164 | 0.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | VISION SERVICE PLAN | $2K | — | $2K | 3.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 234666119 | KAISER FOUNDATION HEALTH PLAN, INC. | $255 | — | $255 | 1.87% |
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 | 777 | 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) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 964 | $7.0M |
| Dental(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 964 | $4.9M |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 964 | $4.8M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 997 | $331K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 997 | $331K |
| Prescription drug(5 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 964 | $7.0M |
| Other(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES, INC. | 997 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.