| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC | P V, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | $23 | $9K | 2.64% |
| USI INSURANCE SERVICES LLC3 | P O BOX 61187 VIRGINIA BEACH, VA 23466 | WESTERN HEALTH ADVANTAGE | $24K | — | $24K | 8.49% |
| USI INSURANCE SERVICES LLC3 | P O BOX 61187 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF CALIFORNIA | $1K | — | $1K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | KAISER PERMANENTE | $215 | $1 | $216 | 2.96% |
| USI INSURANCE SERVICES LLC3 | P O BOX 61187 VIRGINIA BEACH, VA 23466 | CYPRESS DENTAL ADMINISTRATORS | $617 | — | $617 | 9.97% |
| USI INSURANCE SERVICES LLC3 | P O BOX 61187 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF CALIFORNIA | $454 | — | $454 | 9.22% |
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 | 65 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 65 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 45 | $629K |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 21 | $23K |
| Vision | CYPRESS DENTAL ADMINISTRATORS | 18 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.