| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $102K | $109K | 5.99% |
| USI INSURANCE SERVICES LLC7 | BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.67% |
| USI INSURANCE SERVICES LLC7 Filed as: USI INSRUANCE SERVICESINC. | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $525 | $0 | $525 | 1.32% |
| USI INSURANCE SERVICES LLC3 | BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.74% |
| USI INSURANCE SERVICES LLC3 | 465 COLUMBUS ST VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $368 | $0 | $368 | 1.25% |
| USI INSURANCE SERVICES LLC3 | BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.74% |
| USI INSURANCE SERVICES LLC3 | 465 COLUMBUS ST VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $316 | $0 | $316 | 1.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC. | BOX 62689 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $294 | $0 | $294 | 1.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 13.73% |
| USI INSURANCE SERVICES LLC3 | 465 COLUMBUS ST VIRGINIA BEACH, VA 23462 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $162 | $0 | $162 | 1.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $740 | $0 | $740 | 9.99% |
| USI INSURANCE SERVICES LLC7 Filed as: USI SOUTHWEST INC. | BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56 | $0 | $56 | 9.98% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $1.8M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 281 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $40K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $25K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.