| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2400 E COMMERCIAL BLVD STE 600 FORT LAUDERDALE, FL 33308 | AETNA HEALTH, INC. | $43K | — | $43K | 4.29% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | AETNA HEALTH, INC. | $20K | — | $20K | 1.97% |
| USI INSURANCE SERVICES LLC3 | 2400 E COMMERCIAL BLVD STE 600 FT. LAUDERDALE, FL 33308 | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 4.21% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 2.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI FLORIDA | 100 NE 3RD AVENUE STE 610 FT. LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | — | $92 | $92 | 0.02% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 234662689 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $27 | $19K | 14.54% |
| USI INSURANCE SERVICES LLC3 | P O BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.33% |
| USI INSURANCE SERVICES LLC3 | 2400 E COMMERCIAL BLVD STE 600 FT LAUDERDALE, FL 33308 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 10.02% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS INC. | 6868 NW 5TH WAY FT. LAUDERDALE, FL 33309 | HUMANA INSURANCE COMPANY | -$11 | — | -$11 | -0.01% |
| USI INSURANCE SERVICES LLC3 | P O BOX 68689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $27 | $5K | 17.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC. | P O BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $320 | $320 | 1.24% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $27 | $4K | 20.47% |
| USI INSURANCE SERVICES LLC3 | P O BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $248 | $248 | 1.42% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| USI INSURANCE SERVICES LLC3 | P O BOX 62689 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 442 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 202 | $1.6M |
| Dental | HUMANA INSURANCE COMPANY | 249 | $114K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $127K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $127K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $140K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 335 | $135K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 61 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.