| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $394 | $6K | 12.10% |
| COACHLIGHT FINANCIAL, INC.3 | 30680 WEST 12 MILE ROAD FARMINGTON, MI 48334 | METROPOLITAN LIFE INSURANCE COMPANY | $777 | $0 | $777 | 1.55% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA DENTAL PLANS OF THE MIDWEST, INC. | $2K | $0 | $2K | 9.97% |
| AUSTIN FINANCIAL GROUP LLC3 Filed as: AUSTIN FINANCIAL GROUP | UNKNOWN BLOOMFIELD HILL, MI 48304 | UNITED CONCORDIA DENTAL PLANS OF THE MIDWEST, INC. | $6 | $0 | $6 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 21322 EQUESTRIAN TRAIL NORTHVILLE, MI 48167 | COMPANION LIFE INSURANCE COMPANY | $670 | $0 | $670 | 9.09% |
| PROF. LIFE UNDERWRITERS SERVICES3 Filed as: PROF LIFE UNDERWRITERS SRVCS., LLC | 2155 BUTTERFIELD, SUITE 102 SOUTH TROY, MI 48084 | COMPANION LIFE INSURANCE COMPANY | $369 | $0 | $369 | 5.01% |
| COACHLIGHT FINANCIAL, INC.3 | 2110 SEA MIST COURT VERO BEACH, FL 32963 | COMPANION LIFE INSURANCE COMPANY | $67 | $0 | $67 | 0.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SVS VISION MANAGED CARE, INC. | $414 | $0 | $414 | 9.99% |
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 | 63 | 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) | 63 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA DENTAL PLANS OF THE MIDWEST, INC. | 115 | $28K |
| Vision | SVS VISION MANAGED CARE, INC. | 41 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 50 | $50K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 50 | $50K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 50 | $50K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 50 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.