| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | SYMETRA LIFE INSURANCE COMPANY | — | $29K | $29K | 2.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $112K | $10K | $122K | 10.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 234662949 | KAISER FOUNDATION HEALTH PLAN INC. | $33K | — | $33K | 4.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62949 VIRGINIA BEACH, VA 234662949 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 4.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62689 VIRGINIA BEACH, VA 234662689 | VISION SERVICE PLAN | $5K | — | $5K | 1.58% |
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 | 4,888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 172 | $1.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,139 | $164K |
| Vision | VISION SERVICE PLAN | 3,807 | $343K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 4,888 | $1.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,078 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,078 | $1.1M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,324 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,078 | — |
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.