| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23468 | HARTFORD LIFE AND ACCIDENT | $82K | $55K | $137K | 3.93% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | HARTFORD LIFE AND ACCIDENT | $77K | $12K | $89K | 2.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $231K | $0 | $231K | 19.38% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64K | $0 | $64K | 5.39% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | VISION SERVICE PLAN | $5K | $0 | $5K | 0.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | $0 | $4K | 0.87% |
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 | 6,333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 5,426 | $1.2M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,430 | $238K |
| Vision | VISION SERVICE PLAN | 4,571 | $503K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,333 | $3.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 6,333 | $3.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 6,333 | $3.5M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 6,333 | $2.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 6,649 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,649 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.