| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $24K | $2K | $27K | 10.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62189 VIRGINIA BEACH, VA 234662189 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $83 | $21K | 9.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES, LLC | 2045 14TH AVE VERO BEACH, FL 329603441 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $83 | $83 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $3K | $198 | $3K | 16.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $907 | $61 | $968 | 16.01% |
| 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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $206K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $206K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 274 | $260K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 274 | $260K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 299 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.