| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC. | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $26K | — | $26K | 11.76% |
| THE LOOMIS COMPANY5 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $13K | — | $13K | 5.90% |
| USI INSURANCE SERVICES LLC3 | 3190 FIARVIEW PARK DR STE 400 FALLS CHURCH, VA 220424546 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.28% |
| USI INSURANCE SERVICES LLC3 | 408 9TH STREET HUNTINGTON, WV 257011418 | VISION SERVICE PLAN | $2K | — | $2K | 6.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $559 | — | $559 | 14.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $127 | — | $127 | 15.03% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 194 | $223K |
| Vision | VISION SERVICE PLAN | 211 | $24K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 317 | $63K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 317 | $66K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 194 | $223K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 317 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.