| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $107K | $129K | 1.98% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 0.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $3K | $16K | 4.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PAN-AMERICAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.18% |
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 | 2,227 | 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) | 2,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 998 | $6.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 998 | $6.5M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY LIFE INSURANCE CO. | 458 | $32K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,227 | $402K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,227 | $402K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,227 | $402K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 998 | $6.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,227 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,227 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.