| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 30.84% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCJTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 10.83% |
| DANIEL C HARRIS3 | 413 OAK RIDGE COURT MARS, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 7.85% |
| ANDREW TYLER3 | 2231 SPURCE STREET, APARTMENT 2 NAPLES, FL 34112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.99% |
| LEAH BERNADETTE ARCIAGA3 | 2807 ROSEFINCH NEW BRAUNFELS, TX 78130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.66% |
| LIZ CORIO3 | 77 CREST ROAD COLD SPRING, NY 10516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.22% |
| MATTHEW RYAN KIRKWOOD3 | 337 FIELDSRUN ROAD NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 17.20% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET, SUITE 5500 WOBURN, MA 01801 | ALTUS DENTAL INSURANCE COMPANY, INC. | $1K | $0 | $1K | 10.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ALTUS DENTAL INSURANCE COMPANY, INC. | 211 | $12K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 107 | $69K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 107 | $69K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $33K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 107 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.