| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1575 NORTHSIDE DRIVE NW, SUITE 100 ATLANTA, GA 30318 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 3.35% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NW, SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 1.13% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NW, SUITE 800 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | $278 | $0 | $278 | 0.04% |
| USI INSURANCE SERVICES LLC3 | 7 EAST CONGRESS STREET, SUITE 1002 SAVANNAH, GA 31401 | UNITEDHEALTHCARE INSURANCE COMPANY | $259 | $0 | $259 | 0.04% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $60 | $5K | 8.40% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH STREET, SUITE 100 KING OF PRUSSIA, PA 19403 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $743 | $743 | 1.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $545 | $0 | $545 | 0.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $68 | $68 | 0.11% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NW, SUITE 800 ATLANTA, GA 30305 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 14.70% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $719K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $719K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $719K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $64K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $64K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $64K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 95 | $719K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.