| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | HCC LIFE INSURANCE | $76K | $0 | $76K | 15.09% |
| PRITCHARD & JERDEN INC3 | 950 E PACES FERRY RD NE STE 2000 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $9K | 5.31% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $27 | $6K | 3.65% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $585 | $585 | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRA EMPLOYER HEALTH, LLC EIN 56-1392505 NONE | Contract Administrator Service code 13 | — | $87K |
| CIGNA EIN 59-1031071 NONE | Other services Service code 49 | — | $56K |
| USI INSURANCE SERVICES, LLC EIN 13-3771734 NONE | Insurance agents and brokers Service code 22 | — | $12K |
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 | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE | 322 | $502K |
| Dental | HCC LIFE INSURANCE | 322 | $502K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $161K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $161K |
| Prescription drug | HCC LIFE INSURANCE | 322 | $502K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE | 322 | $502K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.