| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $57K | $57K | 6.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $0 | $35K | 4.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 600 3RD AVENUE, FRONT 3 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM INSURANCE COMPANIES, INC. | $0 | $2K | $2K | 1.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | $65 | $8K | 10.08% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SVCS, LLC | 220 SEAPORT BOULEVARD, SUITE V2B BOSTON, MA 02210 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $4K | $4K | 4.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62989 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $447 | $447 | 0.58% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | STARR INDEMNITY & LIABILITY COMPANY | $0 | $2K | $2K | — |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | STARR INDEMNITY & LIABILITY COMPANY | $2K | $0 | $2K | — |
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 | 792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,413 | $700K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 1,207 | $151K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,056 | $859K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,056 | $859K |
| Other(6 contracts, 6 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,207 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,413 | — |
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."
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.