| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1100 E 6600 S STE 280 SALT LAKE CITY, UT 84121 | REGENCE BLUESHIELD OF IDAHO | $88K | — | $88K | 24.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICE LLC | PO BOX 62817 VIRGINA BEACH, VA 234662817 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $27 | $26K | 16.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.72% |
| USI INSURANCE SERVICES LLC3 | 1100 E 6600 S STE 280 MURRAY, UT 841215031 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 840 GESSNER RD STE 600 HOUSTON, TX 770244145 | AMERITAS LIFE INSURANCE CORP | — | $928 | $928 | 0.87% |
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 | 408 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO | 1,359 | $354K |
| Dental | AMERITAS LIFE INSURANCE CORP | 897 | $106K |
| Vision | AMERITAS LIFE INSURANCE CORP | 897 | $106K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 788 | $157K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 788 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,359 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.