| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 3.30% |
| USI INSURANCE SERVICES LLC3 | 235 MAGRATH DARBY BOULEVARD SUITE 325 MOUNT PLEASANT, SC 29464 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 1.85% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $26 | $26 | 0.01% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN HOUSTON, TX 77024 | DELTA DENTAL INSURANCE COMPANY | $21K | $0 | $21K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.53% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.52% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN HOUSTON, TX 77024 | ALPHA DENTAL PROGRAMS, INC. | $969 | $0 | $969 | 10.00% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 484 | $216K |
| Vision | VISION SERVICE PLAN | 183 | $52K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 241 | $266K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 241 | $266K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 241 | $266K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 241 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.