| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 SOUTH WACKER DRIVE, 16TH FLOOR CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $176K | — | $176K | 7.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | HARTFORD LIFE AND ACCIDENT | — | $27K | $27K | 1.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 23514 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $24K | $58K | 4.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $24 | $57K | 4.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3727 NORFOLK, VA 23514 | VISION SERVICE PLAN | $14K | — | $14K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | HYATT LEGAL PLANS | $23K | $3K | $26K | 11.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 23514 | HYATT LEGAL PLANS | — | $565 | $565 | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | HYATT LEGAL PLANS | — | $24 | $24 | 0.01% |
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 | 2,842 | 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) | 2,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,527 | $452K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,842 | $2.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,692 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,692 | $1.4M |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 2,842 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,842 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.