| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $109K | $123K | 4.15% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK SUITE 400 FALLS CHURCH, VA 22042 | UNUM LIFE INSURANCE COMPANY | $17K | $2K | $19K | 16.75% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK SUITE 400 FALLS CHURCH, VA 22042 | UNUM LIFE INSURANCE COMPANY | $3K | $668 | $4K | 9.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | — | $2K | 8.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203508 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY | $3K | $394 | $4K | 16.75% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK SUITE 400 FALLS CHURCH, VA 22042 | FIRST UNUM LIFE INSURANCE COMPANY | $462 | $54 | $516 | 15.66% |
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 | 440 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 233 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 233 | $3.0M |
| Vision | VISION SERVICE PLAN | 217 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 435 | $38K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 435 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.