| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 5.13% |
| USI INSURANCE SERVICES LLC3 | 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 | METROPOLITAN LIFE INSURANCE COMPANY | $922 | $57 | $979 | 0.32% |
| TRIBEN INSURANCE SOLUTIONS INC3 | 24 EAST 2ND STREET, 1ST FLOOR MEDIA, PA 19063 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $5K | $34K | 16.81% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $185 | $2K | 0.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | $248 | $3K | 10.97% |
| USI INSURANCE SERVICES LLC3 | 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | -$6 | $0 | -$6 | -0.02% |
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 | 507 | 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) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 944 | $334K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 944 | $310K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 944 | $510K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 507 | $200K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 507 | $200K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 944 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 944 | — |
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.