| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 61187 VIRGINIA BEACH, VA 234661187 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 10.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 8.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 6.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 601 UNION ST., SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $405 | $405 | 1.86% |
| USI INSURANCE SERVICES LLC3 Filed as: CONRAD SPATZ - USI SOUTHWEST | 3850 N. CAUSEWAY BLVD, ST. 1200 METAIRIE, LA 70002 | THE HEALTH PLAN | $44K | — | $44K | — |
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 | 673 | 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) | 673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | THE HEALTH PLAN | 293 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $178K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 673 | $178K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 247 | $22K |
| Prescription drug | THE HEALTH PLAN | 293 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 247 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 673 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.