| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $21K | $0 | $21K | 9.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 11.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES, LLC | 2045 14TH AVE VERO BEACH, FL 32960 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD SUITE 250 ATRIUM II SOUTH TOWER DUBLIN, OH 43017 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 5455 RINGS ROAD SUITE 250 ATRIUM II SOUTH TOWER DUBLIN, OH 43017 | HARTFORD LIFE AND ACCIDENT | $647 | $0 | $647 | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8049 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 | 293 | 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) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $203K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 563 | $203K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 278 | $227K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 278 | $227K |
| Stop-loss / reinsurancereinsurance | BCBS OF SOUTH CAROLINA | 202 | $291K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 293 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.