| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 5.37% |
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | -$3K | $0 | -$3K | -0.36% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 6TH FLOOR NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.70% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $522 | $5K | 4.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201503 DALLAS, TX 75320 | VISION SERVICE PLAN | $1K | $0 | $1K | 43.98% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 80 | $758K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 380 | $114K |
| Vision | VISION SERVICE PLAN | 24 | $2K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 380 | $114K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 380 | $114K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 380 | $114K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 80 | $758K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 380 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.