| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $53K | $53K | 1.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | HARTFORD LIFE AND ACCIDENT | $37K | $0 | $37K | 0.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $34K | $0 | $34K | 0.71% |
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $63K | $24K | $86K | 3.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $70K | $0 | $70K | 2.66% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72K | $0 | $72K | 11.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.51% |
| BRIAN OBAL3 | 3190 FAIRVIEW PARK DRIVE, SUITE 40 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | VISION SERVICE PLAN | $33K | $0 | $33K | 5.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201503 DALLAS, TX 75320 | VISION SERVICE PLAN | $25K | $0 | $25K | 4.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | ARAG SERVICES, LLC | $3K | $0 | $3K | 5.18% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | ARAG SERVICES, LLC | $3K | $0 | $3K | 4.82% |
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 | 4,184 | 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) | 4,184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 410 | $2.6M |
| Vision | VISION SERVICE PLAN | 5,759 | $583K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,184 | $4.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,184 | $4.7M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 410 | $2.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 4,184 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,759 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.