| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $19K | $0 | $19K | 9.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $2K | $24K | 12.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES, LLC | 2045 14TH AVE VERO BEACH, FL 32960 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $57 | $57 | 0.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 75 JOHN ROBERTS RD BLDG C SOUTH PORTLAND, ME 04106 | HCC LIFE INSURANCE COMPANY | $11K | $0 | $11K | 11.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $679 | $0 | $679 | 15.01% |
| 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 | $224 | $0 | $224 | 15.00% |
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 | 256 | 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) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $184K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 498 | $184K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 226 | $195K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 226 | $195K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 0 | $95K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 256 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.