| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 6.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.65% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 25.48% |
| SOAR TO SUCCESS LLC4 Filed as: SOAR TO SUCCESS, LLC | 28 ONEIDA STREET NEW BRITAIN, CT 06053 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $807 | — | $807 | 4.66% |
| ITEM III TRUST U/W DAVID A SAVULA4 | 480 RIVERHILL DRIVE ATLANTA, GA 30328 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $437 | — | $437 | 2.53% |
| AMBER C. JONES4 | 1038 HOYT STREET SE GRAND RAPIDS, MI 49507 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $271 | $0 | $271 | 1.57% |
| ROBERT J. MCCORMICK III LLC4 Filed as: ROBERT J. MCCORMICK III, LLC | 3053 DEER HAVEN DRIVE JENISON, MI 49428 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $128 | $0 | $128 | 0.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $162 | — | $162 | 15.00% |
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 | 634 | 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) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 380 | $126K |
| Vision | VISION SERVICE PLAN | 493 | $90K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 634 | $476K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 634 | $476K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 634 | $476K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 634 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.