| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICAN INSURANCE COMPANY MEDICARE SUPPLEMENT | $25K | $0 | $25K | 12.54% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE NEW YORK, NY 10016 | UNITED AMERICAN INSURANCE COMPANY MEDICARE SUPPLEMENT | $7K | $0 | $7K | 3.48% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $8K | $0 | $8K | 6.33% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE NEW YORK, NY 10016 | EXPRESS SCRIPTS, INC. | $3K | $0 | $3K | 2.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 1040 MERIDEN, CT 06450 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 17.43% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD SUITE 101 WEST DES MOINES, IA 50265 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.65% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC | 165 BROADWAY, SUITE 3201 NEW YORK, NY 10006 | ZURICH AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| MICHAEL CRAFORD3 Filed as: MICHAEL DAVID CRAFORD | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $572 | $0 | $572 | 5.78% |
| MICHAEL CRAFORD3 Filed as: MICHAEL DAVID CRAFORD | 990 FIFTH AVENUE SAN RAFAEL, CA 94901 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $77 | $0 | $77 | 8.63% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY MEDICARE SUPPLEMENT | 71 | $197K |
| Vision | VISION SERVICE PLAN | 815 | $103K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Short-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $11K |
| Long-term disability(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 79 | $11K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 71 | $121K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 347 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 815 | — |
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.
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.