| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $149K | — | $149K | 7.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $31 | $44K | 3.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 6100 FAIRVIEW RD STE 1400 CHARLOTTE, NC 282103293 | SYMETRA LIFE INSURANCE COMPANY | -$15 | $19K | $19K | 1.90% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO | 601 UNION ST STE 1000 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | — | $11K | $11K | 1.12% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH ST STE 900 PORTLAND, OR 97209 | SYMETRA LIFE INSURANCE COMPANY | — | $8K | $8K | 0.81% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $57K | — | $57K | 7.02% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 0.98% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $37K | — | $37K | 7.02% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST STE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 0.98% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 7.02% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST STE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 0.98% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 7.02% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST STE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 0.98% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $3K | $55K | 28.64% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $2K | $39K | 29.98% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 7.02% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST STE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $927 | — | $927 | 0.98% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR, STE 400 VALHALLA, NY 10595 | METLIFE LEGAL PLANS | $6K | — | $6K | 8.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $1K | $789 | $2K | 2.78% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METLIFE LEGAL PLANS | $0 | $440 | $440 | 0.65% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 7.02% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST STE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $616 | — | $616 | 0.98% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 7.02% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST STE 1000 SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $320 | — | $320 | 0.98% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $380 | $0 | $380 | 5.88% |
| MCCURRY, RONALD E3 Filed as: MCCURRY, RONALD, E | 425 G ST STE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | $0 | $124 | 1.92% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | $0 | $7 | 0.11% |
| ALASKA EMPLOYEE BENEFIT SPECIALISTS3 | 425 G ST STE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Direct payment from the plan; Claims processing Service code 12 | — | $771K |
| GSA NATIONAL EIN 11-3335620 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $595K |
| BENEFITFOCUS.COM, INC. EIN 57-1099948 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $63K |
| DISCOVERY BENEFITS, INC. EIN 90-0058554 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $46K |
| HOMES, LOWRY, HORN & JOHNSON, LTD EIN 54-0975470 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| BRAIN POWER SOFTWARE LLC THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 113 WAPPOO CREEK DR CHARLESTON, SC 29412 | $10K |
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 | 3,048 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,536 | $3.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,320 | $4.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,320 | $1.4M |
| Life insurance(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,912 | $962K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,879 | $809K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 1,855 | $1.0M |
| Other(15 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,912 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,320 | — |
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.