| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $132K | $0 | $132K | 8.00% |
| USI INSURANCE SERVICES LLC5 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $50K | $50K | 3.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $20K | $20K | 1.23% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $25K | $25K | 1.96% |
| HODGES-MACE LLC3 Filed as: HODGES-MACE, LLC | 5775 GLENRIDGE DRIVE, SUITE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $0 | $23K | 3.01% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $6K | $43K | 17.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201503 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $9K | $0 | $9K | 4.34% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | METLIFE LEGAL PLANS OF FLORIDA | $6K | $0 | $6K | 11.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $607 | $607 | 1.28% |
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 | 1,579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 115 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 113 | $761K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,318 | $1.3M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,568 | $200K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,579 | $1.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,579 | $1.6M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,579 | $1.6M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 113 | $752K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,579 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,318 | — |
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.