| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | AETNA LIFE INSURANCE COMPANY | $9K | $48 | $9K | 4.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $9K | 11.99% |
| EMPLOYER PLAN SVCS INC3 Filed as: EMPLOYER PLAN SERVICES | UNKNOWN CHEYENNE, WY 82001 | VISION SERVICE PLAN | $5K | $0 | $5K | 16.10% |
| PEAK1 ADMINISTRATION3 | UNKNOWN COEUR DALENE, ID 83814 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.90% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 11.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $2K | $2K | 9.69% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $793 | $0 | $793 | 3.48% |
| ASSURED EQUITY MANAGEMENT CORP3 Filed as: ASSURED EQUITY MANAGEMENT CORP. | 1800 GLENOCRU PLACE, SUITE 900 DENVER, CO 80202 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | $0 | $225 | 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 | 288 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 431 | $195K |
| Vision | VISION SERVICE PLAN | 172 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $77K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 26 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $77K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.