| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | HARTFORD LIFE AND ACCIDENT | $302K | $62K | $363K | 10.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $52K | $52K | 3.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $7K | $139 | $7K | 10.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62989 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 1.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 WEST CYPRESS CREEK ROAD SUITE 600 FORT LAUDERDALE, FL 33309 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $417 | $417 | 0.63% |
| USI INSURANCE SERVICES LLC3 | 840 GESSNER, SUITE 600 HOUSTON, TX 77024 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $69 | $69 | 0.10% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 79321 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $1K | $0 | $1K | 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 | 1,885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,464 | $1.6M |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,464 | $1.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,888 | $3.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,888 | $3.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,888 | $3.6M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 2,065 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,065 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.