| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $322K | $57K | $379K | 7.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57 | $57 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $22K | — | $22K | 3.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST INC | 222 SOUTH RIVERSIDE PLAZA SUITE 630 CHICAGO, IL 60606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $55K | — | $55K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $32K | $4K | $36K | 9.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | — | $57 | $57 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 200 W. CYPRESS CREEK ROAD SUITE 600 FORT LAUDERDALE, FL 33309 | METLIFE LEGAL PLANS | — | $57 | $57 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 100 S. WACKER DRIVE SUITE 16 CHICAGO, IL 60606 | METLIFE LEGAL PLANS | — | $57 | $57 | 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 | 2,766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 111 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,877 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,744 | $678K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,767 | $5.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,767 | $5.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,767 | $5.0M |
| Other(6 contracts, 6 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 7,756 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,756 | — |
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.