| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 10 SOUTH WACKER DRIVE, FLOOR 17 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 1.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3636 AMERICAN RIVER DRIVE SACRAMENTO, CA 95864 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $113 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203417 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT | $85 | $0 | $85 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $80 | $80 | 0.04% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WESTERN HEALTH ADVANTAGE | 388 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $219K |
| Vision | VISION SERVICE PLAN | 137 | $36K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 182 | $612K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $612K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $612K |
| Prescription drug | WESTERN HEALTH ADVANTAGE | 388 | $1.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 182 | $616K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.