| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $203K | $206K | 5.87% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINICINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $826 | $826 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | $7K | $62K | 15.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $705 | $21K | 10.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.71% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 800 CHARLOTTE, NC 28210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134 | $0 | $134 | 3.08% |
| USI INSURANCE SERVICES LLC3 | 1100 JOHNSON FERRY ROAD, SUITE 250 ATLANTA, GA 30342 | MAGELLAN HEALTH | $502 | $0 | $502 | 12.01% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 394 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 749 | $202K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 394 | $3.5M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 503 | $400K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 503 | $400K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 503 | $400K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 394 | $3.5M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 884 | $409K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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.