| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $100K | $0 | $100K | 5.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $76K | $76K | 3.96% |
| USI INSURANCE SERVICES LLC3 | 1217 NORTH TAYLOR DRIVE SHEBOYGAN, WI 53081 | DELTA DENTAL OF WISCONSIN INC | $12K | $0 | $12K | 1.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | FOUR EVER LIFE INSURANCE COMPANY | $352 | $35 | $387 | 10.98% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DRIVE KIMBERLY, WI 54136 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $296 | $0 | $296 | 15.02% |
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 | 2,221 | 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) | 2,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 2,221 | $4K |
| Dental | DELTA DENTAL OF WISCONSIN INC | 2,097 | $1.1M |
| Vision | NGL | 4,593 | $172K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,221 | $1.9M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,221 | $1.9M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,221 | $1.9M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,221 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,593 | — |
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.