| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 234661007 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 9.19% |
| USI INSURANCE SERVICES LLC3 | P.O.61007 BOX VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 7.24% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $3K | $425 | $3K | 9.60% |
| WORKFORCE CONCEPTS LLC3 | 3792 TIMAHOE CIRCLE NOTTINGHAM, MD 21236 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.48% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62889 VIRGINIA BEACH, VA 23446 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 6.40% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $730 | — | $730 | 3.29% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTIMA BEHAVIORAL HEALTH SERVICES, INC. | 230 | $3K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 493 | $86K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 203 | $22K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $195K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 26 | $31K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 234 | $195K |
| Other | HARTFORD LIFE AND ACCIDENT | 26 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.