| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62939, P.O. BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $130K | $136K | $266K | 12.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, NATIONAL | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | SHELTERPOINT LIFE INSURANCE COMPANY | $19K | — | $19K | 3.62% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $6K | — | $6K | 1.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | DELTA DENTAL OF CALIFORNIA | $15K | — | $15K | 7.00% |
| MGW SERVICES LLC4 Filed as: MGW SERVICES LLC DBA MGW INS SERV | — | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 21.19% |
| STEVE BAKER4 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $52 | — | $52 | 0.27% |
| JDI SOLUTIONS4 | LOT 200 601 STARKEY RD LARGO, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $29 | — | $29 | 0.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | DELTA DENTAL PLAN OF CALIFORNIA | $52K | — | $52K | — |
| MORE THAN 30 AGENTS LISTEDT3 | MGW SERVICES LLC - TOP PAID 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $349K | $25K | $374K | — |
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 | 6,122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 3,419 | $215K |
| Vision | VISION SERVICE PLAN | 3,714 | $460K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,122 | $2.2M |
| Short-term disability(3 contracts, 3 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,122 | $2.7M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 6,122 | $2.2M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 1,254 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,122 | — |
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.