| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | — | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | $35K | $21K | $56K | 1.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10881 LOWEEL AVE, STE 230 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23446 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.97% |
| USI INSURANCE SERVICES LLC3 | 10881 LOWEEL AVE, STE 230 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23446 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10881 LOWEEL AVE, STE 230 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23446 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10881 LOWEEL AVE, STE 230 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23446 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 222 S RIVERSIDE PLAZA, STE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COPANY OF AMERICA | $11K | $934 | $12K | 25.50% |
| USI INSURANCE SERVICES LLC3 | 10881 LOWEEL AVE, STE 230 OVERLAND PARK, KS 66210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $690 | $452 | $1K | 13.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23446 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $452 | $452 | 5.24% |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF KANSAS CITY | 386 | $4.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COPANY OF AMERICA | 265 | $49K |
| Vision | THE GUARDIAN LIFE INSURANCE COPANY OF AMERICA | 265 | $49K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 394 | $194K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COPANY OF AMERICA | 265 | $49K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $123K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 394 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.