| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 6.08% |
| FMLA SOURCE INC5 Filed as: FMLA SOURCE INC. | 455 N. CITYFRONT PLZ DR. 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 5.98% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC - MIDWEST | GRAND RAPIDS OPCO P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $923 | $923 | 0.51% |
| USI INSURANCE SERVICES LLC3 | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $6K | $12K | 8.51% |
| HORAN ASSOCIATES INC.3 | 4990 E. GALBRAITH ROAD STE 102 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC- MIDWEST | GRAND RAPIDS OPCO PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $831 | $831 | 0.61% |
| HORAN ASSOCIATES INC.3 | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | SYMETRA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 7.64% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST 24TH FLOOR CINCINNATI, OH 45202 | SYMETRA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 5905 E. GALBRAITH ROAD STE 5000 CINCINNATI, OH 452362375 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $201K |
| HORAN ASSOCIATES INC. EIN 31-1004837 BROKER | Other commissions Service code 55 | — | $64K |
| DELTA DENTAL OF OHIO EIN 31-0685339 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $25K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 BROKER | Other commissions Service code 55 | — | $17K |
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 | 727 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 490 | $57K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 727 | $252K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 407 | $181K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 542 | $332K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.