| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $84K | $0 | $84K | 2.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $8K | $32K | 13.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $170 | $37K | 41.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | 101 NORTH MAIN STREET, SUITE 900 NORFOLK, VA 23510 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $0 | $5K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $1K | $57 | $1K | 10.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | UNKNOWN SAN DIEGO, CA 92113 | MAGELLAN HEALTHCARE | $458 | $0 | $458 | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNACE SERVICES LLC | UNKNOWN SAN DIEGO, CA 92113 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $161 | $0 | $161 | 5.57% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 443 | $3.8M |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 499 | $47K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $228K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 438 | $228K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 443 | $3.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 962 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.