| 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 | $61K | $2K | $63K | 52.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET SUITE 2400 CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $4K | — | $4K | 3.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62827 VIRGINIA BEACH, VA 23466 | THE DENTAL CONCERN, INC. | $2K | — | $2K | 7.12% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $2K | $38 | $2K | 7.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST, INC. - LOUISVILLE | 7777 BONHOMME AVENUE SUITE 2300 ST LOUIS, MO 63105 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 3.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62827 VIRGINIA BEACH, VA 23466 | KANAWHA INSURANCE COMPANY | $96 | — | $96 | 0.33% |
| 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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 182 | $120K |
| Dental | DENTAL CARE PLUS, INC. | 454 | $97K |
| Vision | THE DENTAL CONCERN, INC. | 193 | $32K |
| Stop-loss / reinsurancereinsurance | HUMANA INSURANCE COMPANY | 182 | $120K |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 87 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.