| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DRIVE SUITE 111 RALEIGH, NC 27615 | UNITEDHEALTHCARE INSURANCE COMPANY | $101K | $0 | $101K | 9.45% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $261K | $0 | $261K | 34.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $16K | $0 | $16K | 12.48% |
| USI INSURANCE SERVICES LLC3 | 6400 FAIRVIEW ROAD CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $16K | $0 | $16K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 41.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 967 | 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) | 967 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,996 | $1.1M |
| Vision | VISION SERVICE PLAN | 759 | $126K |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,324 | $781K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,324 | $780K |
| Other(5 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,324 | $915K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,996 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.