| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62827 VIRGINIA BEACH, VA 23466 | HUMANA INSURANCE COMPANY | $35K | — | $35K | 9.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. - LOUISVILLE | 7777 BONHOMME AVENUE SUITE 2300 ST LOUIS, MO 63105 | HUMANA INSURANCE COMPANY | $22K | — | $22K | 6.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 308 NORTH 21ST STREET ST LOUIS, MO 63103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 6.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $574 | — | $574 | 0.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62827 VIRGINIA BEACH, VA 23466 | THE DENTAL CONCERN, INC. | $1K | — | $1K | 4.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. - LOUISVILLE | 7777 BONHOMME AVENUE SUITE 2300 ST LOUIS, MO 63105 | THE DENTAL CONCERN, INC. | $1K | — | $1K | 3.74% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $1K | $33 | $1K | 4.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. - LOUISVILLE | 7777 BONHOMME AVENUE SUITE 2300 ST LOUIS, MO 63105 | KANAWHA INSURANCE COMPANY | $859 | — | $859 | 3.19% |
| NATIONAL CITY INSURANCE GROUP3 Filed as: NATIONAL CITY INSURANCE GROUP, INC. | 950 BRECKENRIDGE LANE SUITE 50 LOUISVILLE, KY 40207 | HARTFORD LIFE AND ACCIDENT | $360 | — | $360 | 19.98% |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 160 | $359K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 203 | $113K |
| Vision | THE DENTAL CONCERN, INC. | 174 | $30K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 160 | $359K |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 88 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.