| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2045 14TH AVE. VERO BEACH, FL 329603441 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $41 | $32K | 12.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $41 | $6K | 2.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 75 JOHN ROBERTS RD BLDG C SOUTH PORTLAND, ME 04106 | HCC LIFE INSURANCE COMPANY | $29K | $0 | $29K | 11.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VI 23466 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 9.26% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVE. SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 2.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVE. SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $345 | $345 | 2.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $651 | $0 | $651 | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES, LLC | 470 PARK AVE. SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $79 | $79 | 1.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8040 CORPORATE CENTER DR. CHARLOTTE, NC 28226 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $188 | $0 | $188 | 15.04% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $262K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $262K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 253 | $190K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 253 | $190K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 487 | $258K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 259 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.