| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICES LLC | 2375 E CAMELBACK ROAD PHOENIX, AZ 85016 | EQUITABLE FINANCIAL LIFE INSURANCE OF AMERICA | $36K | — | $36K | 8.96% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | TWO ENTERPRISE DRIVE SUITE204 SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INSURANCE OF AMERICA | — | $19K | $19K | 4.68% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED GROUP BROKERAGE CORP | P.O. BOX 299 MARLBOROUGH, CT 06447 | TOKIO MARINE | $1K | — | $1K | 2.72% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED GROUP BROKERAGE | 369 NORTH MAIN ST MARLBOROUGH, CT 06447 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.11% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE OF AMERICA | 741 | $402K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE OF AMERICA | 741 | $402K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE OF AMERICA | 741 | $421K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE OF AMERICA | 741 | $402K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE OF AMERICA | 741 | $402K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE OF AMERICA | 741 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.