| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $766 | $3K | 11.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62819 VIRGINIA BEACH, VA 234662619 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $666 | $2K | 21.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62819 VIRGINIA BEACH, VA 234662619 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $825 | $570 | $1K | 16.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $722 | $370 | $1K | 22.70% |
| ROBERT KENNEDY3 | 2301 SUGAR BUSH ROAD, SUITE 600 RALEIGH, NC 27612 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $512 | — | $512 | 11.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $373 | $265 | $638 | 17.10% |
| ROBERT L. KENNEDY3 | 6100 FAIRVIEW ROAD 14TH FLOOR CHARLOTTE, NC 28208 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $11K | $16K | $27K | — |
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 | 98 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 39 | $0 |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $23K |
| Vision | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 41 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 88 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $10K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 11 | $9K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 39 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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.