| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $57 | $6K | 1.67% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $0 | $35K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELTLINE ROAD, SUITE 200 DALLAS, TX 75254 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.57% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $76 | $76 | 5.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.48% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 317 | $37K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 747 | $352K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 362 | $25K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $230K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $230K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.