| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62949 VIRGINIA BEACH, VA 234662949 | HEALTH NET | $66K | — | $66K | 4.97% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62949 VIRGINIA BEACH, VA 234662949 | KAISER FOUNDATION HEALTH PLAN INC. | $41K | — | $41K | 4.48% |
| USI INSURANCE SERVICES LLC3 | 21700 OXNARD STREET SUITE 1200 WOODLAND HILLS, CA 91367 | UNION SECURITY INSURANCE COMPANY | $25K | — | $25K | 10.17% |
| USI INSURANCE SERVICES LLC3 | 21700 OXNARD STREET SUITE 1200 WOODLAND HILLS, CA 91367 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62683 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 13.35% |
| USI INSURANCE SERVICES LLC3 | 21700 OXNARD STREET SUITE 1200 WOODLAND HILLS, CA 91367 | UDC DENTAL OF CALIFORNIA, INC. | $1K | — | $1K | 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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 161 | $2.2M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 286 | $258K |
| Vision | UNION SECURITY INSURANCE COMPANY | 286 | $245K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 286 | $245K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 27 | $17K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 18 | $18K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 161 | $2.2M |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 286 | $262K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.