| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC. | $41K | $0 | $41K | 1.56% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE SUITE 400 FORT LAUDERDALE, FL 33334 | KAISER FOUNDATION HEALTH PLAN INC. | $20K | $2 | $20K | 0.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC. | $37K | $0 | $37K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33304 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | $2 | $18K | 0.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 201629 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121K | $0 | $121K | 11.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.07% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | COMBINED INSURANCE COMPANY OF AMERICA | $35K | $0 | $35K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LL | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 0.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC & OTHER | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $17K | $0 | $17K | 4.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | EYEMED VISION CARE | $3K | $0 | $3K | 0.83% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62689 VIRGINIA BEACH, VA 23466 | COMBINED INSURANCE COMPANY OF AMERICA | $158 | $0 | $158 | 5.01% |
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 | 10,118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 10,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 512 | $5.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,806 | $5.1M |
| Vision(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 6,046 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,118 | $6.0M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,118 | $6.0M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,118 | $6.0M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 10,118 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,118 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.