| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN UNITED LIFE INSURANCE COMPANY | $152K | — | $152K | 7.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2443 SIR BARTON WAY SUITE 400 LEXINGTON, KY 40509 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 0.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 950 BRECKENRIDGE LANE SUITE 50 LOUISVILLE, KY 40207 | SYMETRA LIFE INSURANCE COMPANY | $82K | $26K | $108K | 11.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 1945 SCOTTSVILLE ROAD SUITE 100 BOWLING GREEN, KY 42104 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 1.63% |
| USI INSURANCE SERVICES LLC3 | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | W CYPRESS CREEK ROAD #500 FORT LAUDERDALE, FL 33309 | ANTHEM HEALTH PLANS OF KENTUCKY, INC. | $10K | — | $10K | 9.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 17.43% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | ARAG INSURANCE COMPANY | $78 | — | $78 | 0.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 30.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENVISIONRX EIN 90-1011712 RX BENEFIT | Claims processing Service code 12 | — | $4.1M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $234K |
| USI INSURANCE SERVICES EIN 13-3771734 BROKER | Other commissions Service code 55 | — | $35K |
| AP BENEFIT ADVISORS LLC EIN 30-0837157 BROKER | Other commissions Service code 55 | — | $9K |
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 | 2,285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,178 | $194K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,178 | $302K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,285 | $2.0M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,285 | $2.0M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,285 | $2.0M |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,112 | $977K |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 436 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,285 | — |
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.