| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLIDNG CO | 3800 CENTERPOINT DRIVE ANCHORAGE, AK 99503 | THE HARTFORD | $12K | — | $12K | 14.98% |
| DOUGLAS D LONERGAN3 Filed as: DOUGLAS LONERGAN | 61644 TAM MCARTHUR LOOP BEND, OR 97702 | THE HARTFORD | $8K | — | $8K | 9.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | THE HARTFORD | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO. | 601 UNION STREET SUITE 1000 SEATTLE, WA 98101 | GUARDIAN | $5K | — | $5K | 21.63% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLIDNG COMP | 200 SUMMIT LAKE DRIVBE SUITE 350 VALHALLA, NY 10595 | GUARDIAN | $953 | — | $953 | 4.07% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE HARTFORD | 327 | $78K |
| Long-term disability | THE HARTFORD | 327 | $78K |
| Other | THE HARTFORD | 327 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.