| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $172K | $0 | $172K | 32.53% |
| RSC INSURANCE BROKERAGE INC3 | 140 2ND STREET PETALUMA, CA 94952 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $60K | $0 | $60K | 11.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 5.21% |
| BSC AGENCY LLC3 Filed as: BSC AGENCY | 1025 ASHWORTH ROAD, SUITE 101 WEST DES MOINES, IA 50265 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 4.00% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE CO MEDICARE SUPPLEMENT | $12K | $0 | $12K | 12.55% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITED AMERICAN INSURANCE CO MEDICARE SUPPLEMENT | $3K | $0 | $3K | 3.48% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD, MICHAEL, DAVID | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 19.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $3K | $0 | $3K | 3.81% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $4K | $0 | $4K | 6.94% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | EXPRESS SCRIPTS, INC. | $1K | $0 | $1K | 2.31% |
| CRAFORD BENEFIT CONSULTANTS3 Filed as: CRAFORD, MICHAEL, DAVID | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $627 | $0 | $627 | 22.15% |
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 | 1,589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE CO MEDICARE SUPPLEMENT | 78 | $98K |
| Vision | VISION SERVICE PLAN | 1,080 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 858 | $528K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 858 | $598K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 858 | $598K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 78 | $62K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 858 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,080 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.