| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $45K | $0 | $45K | 8.25% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.07% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.69% |
| ROBERT J. MCCORMICK III LLC4 Filed as: ROBERT J. MCCORMICK, III | 408 CHICAGO DRIVE, UNIT 341 JENISON, MI 49429 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | $0 | $5K | 33.03% |
| AMBER C. JONES4 | 1038 HOYT STREET SE GRAND RAPIDS, MI 49507 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | $0 | $3K | 17.22% |
| JOSHUA P. LOCKHART4 | 3305 CATALINA DRIVE CUMMING, GA 30041 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $48 | $0 | $48 | 0.31% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 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 | 766 | 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) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 562 | $178K |
| Vision | VISION SERVICE PLAN | 595 | $92K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 766 | $551K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 766 | $551K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 766 | $551K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 766 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 766 | — |
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.