| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | 9811 KATY FREEWAY SUITE 500 HOUSTON, TX 77024 | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | $62K | $11K | $73K | 10.07% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | $7K | $887 | $8K | 1.10% |
| PHILLIP PORTER GOODRUM3 | 131 HILLSIDE AVE CHARLOTTE, NC 28209 | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | $5K | — | $5K | 0.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC | PO BOX 198 GREER, SC 29652 | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | $2K | — | $2K | 0.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW, INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $19K | $37K | 15.31% |
| AP BENEFIT ADVIOSRS LLC3 | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 2.61% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $17 | $61K | 38.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $89 | $2K | 1.35% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.01% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $17 | $37K | 32.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $89 | $1K | 1.20% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.02% |
| DIRECTPATH, LLC3 Filed as: DIRECT PATH LLC | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $17 | $36K | 36.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SW INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $89 | $1K | 1.34% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI SOUTHWEST INC. ASO | Contract Administrator; Claims processing Service code 12 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | $268K |
| AP BENEFIT ADVISORS LLC BROKER | Claims processing; Contract Administrator Service code 12 | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | $170K |
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 | 2,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | 1,816 | $724K |
| Vision | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | 1,816 | $724K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,677 | $241K |
| Short-term disability | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | 1,816 | $724K |
| Long-term disability | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | 1,816 | $724K |
| Other(6 contracts, 4 carriers) | GUARDIAN LIFE INUSRANCE COMPANY OF AMERICA | 2,677 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,677 | — |
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.
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.