| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $61 | $2K | 7.93% |
| IMA, INC.3 Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1 | $145 | $146 | 0.65% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $47 | $2K | 12.54% |
| IMA, INC. Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2 | $103 | $105 | 0.60% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $972 | $32 | $1K | 8.85% |
| IMA, INC. Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $113 | $113 | 1.00% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64 | $2 | $66 | 8.84% |
| IMA, INC. Filed as: IMA INC | PO BOX 2992 WICHITA, KS 672012992 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5 | $5 | 0.67% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 88 | $18K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.