| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE CHICAGO, IL 60601 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $20K | $0 | $20K | 4.67% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 1100 SUMMER STREET, 2ND FLOOR STAMFORT, CT 06905 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.16% |
| CBP BENEFITS3 Filed as: CBP | UNKNOWN SHELTON, CT 06484 | AETNA LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203383 DALLAS, TX 75320 | METLIFE LEGAL PLANS, INC. | $2K | $26 | $2K | 11.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | METLIFE LEGAL PLANS, INC. | $0 | $206 | $206 | 1.17% |
| LOCKTON COMPANIES, LLC3 | 717 NORTH HARWOOD, SUITE 2500 DALLAS, TX 75201 | METLIFE LEGAL PLANS, INC. | $0 | $73 | $73 | 0.42% |
| USI INSURANCE SERVICES LLC3 | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | GERBER LIFE INSURANCE COMPANY | $167 | $0 | $167 | 14.98% |
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 | 876 | 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) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 615 | $204K |
| Vision | VISION SERVICE PLAN | 663 | $96K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 876 | $423K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 876 | $423K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 876 | $423K |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 876 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.