| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SW ROANOKE, VA 24011 | BLUE CROSS OF CALIFORNIA | $34K | $15K | $50K | 7.32% |
| USI INSURANCE SERVICES LLC3 | 45 FREMONT STREET SAN FRANCISCO, CA 94105 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $41K | $0 | $41K | 7.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203373 DALLAS, TX 75320 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 4.43% |
| USI INSURANCE SERVICES LLC3 | 45 FREMONT STREET SUITE 800 SAN FRANCISCO, CA 94105 | ZURICH AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 11.30% |
| USI INSURANCE SERVICES LLC3 | 45 FREMONT, SUITE 800 SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $517 | $8K | 11.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 39000 SAN FRANCISCO, CA 94105 | VISION SERVICE PLAN | $708 | $0 | $708 | 7.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 201 MISSION STREET, SUITE 1100 SAN FRANCISCO, CA 94105 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $186 | $0 | $186 | 15.01% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 113 | $1.7M |
| Vision | VISION SERVICE PLAN | 52 | $9K |
| Life insurance(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 82 | $636K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $69K |
| Long-term disability(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 82 | $636K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 113 | $1.1M |
| Other(4 contracts, 4 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 113 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.