| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | DENTAL CARE PLUS, INC. | $6K | $0 | $6K | 5.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62827 VIRGINIA BEACH, VA 23466 | THE DENTAL CONCERN, INC. | $2K | $364 | $3K | 7.73% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE, SUITE Q WEST CHESTER, OH 45069 | KANAWHA INSURANCE COMPANY | $2K | $0 | $2K | 7.86% |
| USI INSURANCE SERVICES LLC3 | 7777 BONHOMME AVENUE, SUITE 2300 SAINT LOUIS, MO 63105 | KANAWHA INSURANCE COMPANY | $1K | $0 | $1K | 3.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62827 VIRGINIA BEACH, VA 23466 | KANAWHA INSURANCE COMPANY | $130 | $14 | $144 | 0.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $360 | $0 | $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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAL CARE PLUS, INC. | 472 | $107K |
| Vision | THE DENTAL CONCERN, INC. | 208 | $35K |
| Other(2 contracts, 2 carriers) | KANAWHA INSURANCE COMPANY | 71 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.