| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 40 RICHARDS AVENUE SUITE 5 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 1.78% |
| KEY INSURANCE & BENEFIT SERVICES3 | 40 RICHARDS AVENUE SUITE 5 NORWALK, CT 06854 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 1.23% |
| KEY INSURANCE & BENEFIT SERVICES3 Filed as: KEY INSURANCE & BENEFITS SERVICES | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | ANTHEM LIFE INSURANCE COMPANY | $12K | — | $12K | 8.29% |
| USI INSURANCE SERVICES LLC3 | 200 W CYPRESS CREEK ROAD #500 FORT LAUDERDALE, FL 33309 | ANTHEM LIFE INSURANCE COMPANY | $6K | — | $6K | 4.21% |
| KEY INSURANCE & BENEFIT SERVICES3 | 555 PATROON CREEK BLVD. ALBANY, NY 12206 | ANTHEM LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.14% |
| FIRST NIAGARA RISK MANAGEMENT3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $5K | — | $5K | 4.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 W CYPRESS CREEK RD. #500 FORT LAUDERDALE, FL 33309 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $3K | — | $3K | 3.41% |
| KEY INSURANCE & BENEFIT SERVICES3 | 1215 MANOR DRIVE SUITE 200 MECHANICSBURG, PA 17055 | ANTHEM HEALTH PLANS, INC. | $572 | — | $572 | 4.98% |
| USI INSURANCE SERVICES LLC3 | 200 W CYPRESS CREEK ROAD #500 FORT LAUDERDALE, FL 33309 | ANTHEM HEALTH PLANS, INC. | $194 | — | $194 | 1.69% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $1.5M |
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 146 | $101K |
| Vision | ANTHEM HEALTH PLANS, INC. | 244 | $11K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 171 | $140K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 171 | $140K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 171 | $140K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 171 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.