| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $22K | $22K | 3.20% |
| USI INSURANCE SERVICES LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $10K | $48K | 8.69% |
| USI INSURANCE SERVICES LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $10K | $45K | 8.72% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP, INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $4K | $34K | 26.68% |
| USI INSURANCE SERVICES LLC3 | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $247 | $4K | 2.82% |
| USI INSURANCE SERVICES LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 8.91% |
| USI INSURANCE SERVICES LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $637 | $2K | 9.15% |
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 | 793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 814 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,419 | $694K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,281 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 793 | $557K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 793 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 793 | $511K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 793 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,419 | — |
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.