| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $120K | — | $120K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DR SUITE 111 RALEIGH, NC 27615 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 10.87% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DR SUITE 111 RALEIGH, NC 27615 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.86% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 282103293 | AMERITAS LIFE INSURANCE CORPORATION | $4K | — | $4K | 10.01% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 10.50% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DR SUITE 111 RALEIGH, NC 27615 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.86% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DR SUITE 111 RALEIGH, NC 27615 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.87% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DR SUITE 111 RALEIGH, NC 27615 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $333 | — | $333 | 10.89% |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 877 | $6.2M |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 572 | $50K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 833 | $189K |
| Short-term disability(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 530 | $52K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 530 | $100K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 571 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.