| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $208K | $57 | $208K | 4.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52K | $52K | 1.24% |
| USI INSURANCE SERVICES LLC3 | 1000 BURNETT AVE STE 330 CONCORD, CA 94520 | AETNA LIFE INSURANCE SERVICES LLC | $609K | $0 | $609K | 19.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $176K | $57 | $176K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $34K | $0 | $34K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 55437 | AETNA LIFE INSURANCE CO. | $29K | $0 | $29K | 9.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, CA 23466 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | $57 | $2K | 3.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $687 | $687 | 1.26% |
| HALL, JIMMY, HARRISON3 Filed as: HALL, JIMMMY, HARRISON | 959 SKYWAY RD 2ND FLOOR SAN CARLOS, CA 94070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $977 | $0 | $977 | 2.49% |
| USI INSURANCE SERVICES LLC3 | 201 MISSION STREET SUITE 1100 SAN FRANSICO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $833 | $0 | $833 | 2.12% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. 6TH FLOOR TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. 6TH FLOOR TORRANCE, CA 90503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 5.52% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. 6TH FLOOR TORRANCE, CA 90503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $390 | $0 | $390 | 3.32% |
| HALL, JIMMY, HARRISON3 | 959 SKYWAY RD 2ND FL SAN CARLOS, CA 94070 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | $0 | $111 | 0.95% |
| USI INSURANCE SERVICES LLC3 | 201 MISSION STREET SUITE 1100 SAN FRANSICO, CA 94105 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $171 | $0 | $171 | 3.40% |
| FARMERS INSURANCE GROUP3 | PO BOX 248831 OKLAHOMA CITY, OK 73124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 0.92% |
| HALL, JIMMY, HARRISON3 | 959 SKYWAY RD 2ND FLOOR SAN CARLOS, CA 94070 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26 | $0 | $26 | 0.52% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. 6TH FLOOR TORRANCE, CA 90503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $227 | $0 | $227 | 30.47% |
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 | 8,736 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE SERVICES LLC | 7,686 | $3.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE SERVICES LLC | 7,686 | $3.2M |
| Vision | VISION SERVICE PLAN | 3,564 | $675K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 8,736 | $4.2M |
| Long-term disability(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,355 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 8,355 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,736 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.