| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $75K | — | $75K | 9.73% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 32801 | RELIASTAR LIFE INSURANCE COMPANY | — | $28K | $28K | 3.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $17K | $52K | 8.67% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN, INC. | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 32801 | COMBINED INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 27.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | COMBINED INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 13.06% |
| BENEFITS ALL INSURANCE, LLC3 Filed as: BENEFITS ALL INSURANCE LLC | 8040 HOSBROOK RD, SUITE 100 CINCINNATI, OH 45236 | COMBINED INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 10.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | COMBINED INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 6.85% |
| MS BENEFITS3 Filed as: MS BENEFITS LLC | 100 CHALLENGER ROAD, STE 105 RIDGEFIELD PARK, NJ 076602121 | COMBINED INSURANCE COMPANY OF AMERICA | $437 | — | $437 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 116 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | COMBINED INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 0.09% |
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 | 1,113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,077 | $598K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,077 | $598K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,590 | $773K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,590 | $773K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,590 | $773K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,590 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,590 | — |
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.