| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $18K | $53K | 15.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $16K | $46K | 15.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $14K | $56K | 20.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $12K | $45K | 20.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $10K | 20.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 15.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, INC. EIN 36-3086057 | Insurance services Service code 23 | — | $263K |
| NURSE CONSULTANTS LLC EIN 47-4882811 | Consulting (general) Service code 16 | — | $192K |
| PHCS EIN 04-3138814 | Insurance services Service code 23 | — | $43K |
| MEDCOST, LLC EIN 56-1999192 | Insurance services Service code 23 | — | $23K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 | Insurance services Service code 23 | — | $16K |
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 | 1,277 | 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) | 1,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,109 | $300K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,745 | $309K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 806 | $218K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 443 | $353K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,671 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,745 | — |
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.