| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSUARANCE COMPANY | $9K | $0 | $9K | 10.59% |
| IMA, INC.3 Filed as: IMA INC | 95 SOUTH STATE ST STE 1300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSUARANCE COMPANY | $4K | $0 | $4K | 4.41% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.17% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $81 | $0 | $81 | 0.11% |
| IMA, INC.3 Filed as: IMA INC | 95 SOUTH STATE ST STE 1300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSUARANCE COMPANY | $2K | $0 | $2K | 5.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSUARANCE COMPANY | $2K | $0 | $2K | 4.99% |
| IMA, INC.3 Filed as: IMA INC | 95 SOUTH STATE ST STE 1300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSUARANCE COMPANY | $3K | $0 | $3K | 8.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSUARANCE COMPANY | $2K | $0 | $2K | 6.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.97% |
| IMA, INC.3 Filed as: IMA INC | 95 SOUTH STATE ST STE 1300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES KATIE WOOD | 100 SUMMIT LAKE DRIVE STE 400 VALHALLA, NY 10595 | DENTIST DIRECT, LLC | $4K | $0 | $4K | — |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE BENEFITS | 136 EAST SOUTH TEMPLE #2300 SALT LAKE, UT 84111 | DENTIST DIRECT, LLC | $3K | $0 | $3K | — |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTIST DIRECT, LLC | 327 | $0 |
| Vision | VISION SERVICE PLAN | 261 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSUARANCE COMPANY | 625 | $87K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSUARANCE COMPANY | 625 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.