| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES NATIONAL INC. | 6100 FAIRVIEW RD, SUITE 400 CHARLOTTE, NC 28210 | AMERICAN UNITED LIFE INSURANCE COMPANY | $55K | $0 | $55K | 13.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 6100 FAIRVIEW RD, SUITE 1400 CHARLOTTE, NC 28210 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $556 | $5K | 1.27% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD, SUITE 800 CHARLOTTE, NC 28210 | HUMANA INSURANCE COMPANY | $19K | — | $19K | 9.03% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | P.O. BOX 24337 WINSTON-SALEM, NC 27114 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 5.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203508 DALLAS, TX 75320 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 1.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $945 | — | $945 | 2.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | P.O. BOX 203508 DALLAS, TX 75320 | VISION SERVICE PLAN | $794 | — | $794 | 1.78% |
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 | 538 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 401 | $207K |
| Vision | VISION SERVICE PLAN | 388 | $44K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 653 | $395K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 653 | $395K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 653 | $395K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 653 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.