| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 W MAIN ST WORLD TRADE CENTER STE 900 NORFOLK, VA 23510 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $57K | $57K | 3.04% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL GROUP LLC | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $29K | $29K | 1.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 6.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.66% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 1.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ENTERPRISE LICENSING CENTER 601 UNION ST STE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PKWY W STE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 1.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $538 | $2K | 1.04% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $972 | $0 | $972 | 0.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.34% |
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 | 411 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 863 | $219K |
| Vision | VISION SERVICE PLAN | 320 | $35K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $241K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 382 | $241K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $241K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 411 | $1.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 382 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.