| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E COMMERCIAL BLVD SUITE 600 FT. LAUDERDALE, FL 33308 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $69K | $69K | 2.73% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIRCLE SUITE 216 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $54K | $54K | 2.11% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIRCLE SUITE 216 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.14% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIRCLE SUITE 216 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.09% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIRCLE SUITE 216 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.48% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIRCLE SUITE 216 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.12% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIRCLE SUITE 216 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.70% |
| REDMOND SHERWOOD3 | 500 WILSON PIKE CIRCLE SUITE 216 BRENTWOOD, TN 37027 | LINCOLN NATIONAL LIFE INSURANCE CONTRACT | $1K | $0 | $1K | 14.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE CONTRACT | $40 | $0 | $40 | 0.48% |
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 | 388 | 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) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 388 | $2.5M |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $157K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $37K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 641 | $34K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $57K |
| Other(4 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 641 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.