| 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 | $37K | $0 | $37K | 6.20% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 2.50% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 535 CONNECTICUT AVENUE NORWALK, CT 06854 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 23.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.37% |
| ITEM III TRUST U/W DAVID A SAVULA4 Filed as: ITEM III TRUST U/W | 480 RIVERHILL DRIVE ATLANTA, GA 30328 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 10.33% |
| AMBER C. JONES4 | 1038 HOYT STREET SW GRAND RAPIDS, MI 49507 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 6.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 5151 BELT LINE ROAD, SUITE 200 DALLAS, TX 75254 | ZURICH AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 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 | 839 | 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) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 550 | $179K |
| Vision | VISION SERVICE PLAN | 633 | $107K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 839 | $595K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 839 | $595K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 839 | $595K |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 839 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 839 | — |
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.