| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80K | $15K | $95K | 12.97% |
| SECURIAN FINANCIAL SERVICES3 Filed as: SECURIAN FINANCIAL SERVICES, INC. | 400 ROBERT STREET NORTH SAINT PAUL, MN 55101 | STANDARD INSURANCE COMPANY | $24K | $0 | $24K | 9.64% |
| CRAIG ALLEN BELISLE3 | 1100 ABERNATHY ROAD, SUITE 500 ATLANTA, GA 30328 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 7.67% |
| FIRST HEARTLAND CORPORATION3 Filed as: FIRST HEARTLAND CORP AND AGENTS | 4101 LAKE SAINT LOUIS BOULEVARD LAKE SAINT LOUIS, MO 63367 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.13% |
| JOYN ATLANTA, INC.3 | 1100 ABERNATHY ROAD, SUITE 500 ATLANTA, GA 30328 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.95% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES, INC. | 100 MIRACLE MILE, SUITE 250 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.91% |
| DAVID M. HOFF3 | 4101 LAKE SAINT LOUIS BOULEVARD LAKE SAINT LOUIS, MO 63367 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.76% |
| BRIAN MCNULTY3 | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.74% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | DELTA DENTAL INSURANCE COMPANY | $2K | $0 | $2K | 5.22% |
| USI INSURANCE SERVICES LLC3 | 360 COLUMBIA DRIVE, SUITE 105 WEST PALM BEANCH, FL 33409 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $312 | $0 | $312 | 2.69% |
| USI INSURANCE SERVICES LLC3 | 360 COLUMBIA DRIVE, SUITE 105 WEST PALM BEANCH, FL 33409 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $187 | $0 | $187 | 4.19% |
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 | 1,407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 3 | $16K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 262 | $45K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,407 | $735K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,407 | $735K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,407 | $983K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 3 | $16K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,590 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,590 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.