| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8911 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | METROPOLITAN LIFE INSURANCE COMPANY | $123K | $55 | $123K | 4.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47K | $47K | 1.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $118K | $7K | $124K | 44.59% |
| WESTLAKE FINANCIAL GROUP INC3 | 2345 WAUKENGAN ROAD SUITE 140 BANNOCKBURN, IL 60089 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $303 | $0 | $303 | 0.11% |
| PAUL J BURT3 | 1477 BARCLAY BOULEVARD BUFFALO GROVE, IL 60089 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.01% |
| SELERIX SYSTEMS INC3 Filed as: SELERIX SYSTEMS, INC. | PO BOX 678967 DALLAS, TX 75267 | STANDARD INSURANCE COMPANY | $0 | $7K | $7K | 2.92% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH STREET PO BOX 1116 HAMMONTON, NJ 08037 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $141 | $0 | $141 | 89.81% |
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 | 9,251 | 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) | 9,251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,951 | $2.9M |
| Vision | STANDARD INSURANCE COMPANY | 2,182 | $224K |
| Life insurance(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,951 | $3.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 9,251 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,251 | — |
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.