| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | BLUECROSS BLUESHIELD OF TEXAS | $74K | $2K | $76K | 3.51% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | BLUECROSS BLUESHIELD OF TEXAS | $25K | $0 | $25K | 1.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $21K | 10.16% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 10.52% |
| USI INSURANCE SERVICES LLC3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTON SQUARE, PA 19073 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $12K | $12K | 6.13% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 3.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $4K | $0 | $4K | 6.94% |
| FREESTONE FINANCIAL LLC3 Filed as: FREESTONE FINANCIAL, LLC | 8130 NORTH 86TH PLACE SCOTTSDALE, AZ 85258 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.98% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $299 | $0 | $299 | 0.50% |
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 | 489 | 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) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 429 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 956 | $204K |
| Vision | VISION SERVICE PLAN | 549 | $60K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,147 | $202K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 429 | $2.2M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,147 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,147 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.