| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $262 | $5K | 7.34% |
| USI INSURANCE SERVICES LLC3 | 190 RIVER ROAD SUMMIT, NJ 07902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $343 | $4K | 6.73% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $481 | $0 | $481 | 0.75% |
| TRUSS, LLC3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | $0 | $236 | 0.37% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203066 DALLAS, TX 75320 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $57 | $1K | 12.96% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $143 | $143 | 1.49% |
| TRUSS, LLC3 Filed as: TRUSS LLC | 4551 WEST 107TH STREET, FLOOR 3 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.20% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS | 573 | $1.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF KANSAS | 573 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 652 | $74K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $64K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $64K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF KANSAS | 573 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 652 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.