| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $13K | $7K | $20K | 14.38% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | ONEAMERICA FINANCIAL PARTNERS, INC. | $8K | $10K | $18K | 16.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 18.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $394 | $0 | $394 | 1.15% |
| BOYCE AND ASSOCIATES, INC.3 | 212 OVERLOOK CIRCLE, SUITE 106 BRENTWOOD, TN 37027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $411 | $0 | $411 | 6.96% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | $0 | $145 | 2.46% |
| RECA L. WILLIAMS3 | 623 WOODLEIGH DRIVE NASHVILLE, TN 37215 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $105 | $0 | $105 | 1.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | $0 | $56 | 0.95% |
| HEALTHSMART BENEFIT SOLUTIONS3 Filed as: HEALTHSMART BENEFIT SOLUTIONS, INC. | 222 WEST LAS COLINAS BOULEVARD SUITE 600N IRVING, TX 75039 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.58% |
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 | 527 | 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) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 398 | $139K |
| Vision | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | 398 | $139K |
| Life insurance | ONEAMERICA FINANCIAL PARTNERS, INC. | 527 | $111K |
| Short-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 527 | $111K |
| Long-term disability | ONEAMERICA FINANCIAL PARTNERS, INC. | 527 | $111K |
| Other(3 contracts, 3 carriers) | ONEAMERICA FINANCIAL PARTNERS, INC. | 527 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 527 | — |
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.