| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPNAY | $0 | $25K | $25K | 1.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPNAY | $0 | $115 | $115 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $6K | $22K | 16.21% |
| ONBOARD BENEFITS LLC3 Filed as: ONBOARD BENEFITS, LLC | 1281 WIN HENTSTHEL BOULEVARD SUITE 1300 WEST LAFAYETTE, IN 47906 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $4K | $9K | 10.09% |
| ONBOARD BENEFITS LLC3 Filed as: ONBOARD BENEFITS, LLC | 1281 WIN HENTSTHEL BOULEVARD SUITE 1300 WEST LAFAYETTE, IN 47906 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $4K | $1K | $5K | 20.13% |
| ONBOARD BENEFITS LLC3 Filed as: ONBOARD BENEFITS, LLC | 1281 WIN HENTSTHEL BOULEVARD SUITE 1300 WEST LAFAYETTE, IN 47906 | UNUM INSURANCE COMPANY | $653 | $0 | $653 | 2.79% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPNAY | 226 | $1.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 114 | $90K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 114 | $90K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $136K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $136K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPNAY | 226 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.