| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8331 NORMAN CENTER DRIVE, SUITE 500 MINNEAPOLIS, MN 55413 | DELTA DENTAL OF VIRGINIA | $216K | $0 | $216K | 6.39% |
| USI INSURANCE SERVICES LLC3 | 9020 STONY POINT PARKWAY, SUITE 200 RICHMOND, VA 23235 | DELTA DENTAL OF VIRGINIA | $19K | $0 | $19K | 0.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203508 DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $367K | $0 | $367K | 15.49% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203510 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $82K | $0 | $82K | 3.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $79K | $0 | $79K | 4.39% |
| USI INSURANCE SERVICES LLC3 | 1753 PINNACLE DRIVE, SUITE 800 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $276K | $24K | $301K | 48.83% |
| DIRECTPATH, LLC3 | 120 18TH STREET S, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.84% |
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 | 5,946 | 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) | 5,946 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 1,677 | $3.9M |
| Dental | DELTA DENTAL OF VIRGINIA | 9,016 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 6,999 | $593K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,946 | $2.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,946 | $2.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,946 | $2.4M |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 1,677 | $3.9M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,946 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,016 | — |
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.