| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $6K | $42K | 5.75% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $30K | $30K | 4.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, FLOOR 5 NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | $0 | $31K | 9.18% |
| PAIGE QUINN AND OTHER AGENTS3 | 5218 TEAKWOOD COURT PITTSBURGH, PA 15209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | $0 | $29K | 8.43% |
| EPSIX, INC.3 Filed as: EPSIX INC | 687 EAST BROADWAY MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 3.71% |
| BRAIN W PATTEN3 Filed as: BRAIN WILLIAM PATTEN | 121 BUCKTHRON ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 2.90% |
| LIZ CORIO3 | 77 CREST ROAD COLD SPRING, NY 10516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.68% |
| MATTHEW RYAN KIRKWOOD3 | 337 FIELDSRUN ROAD NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.59% |
| DANIEL C HARRIS3 | 124 CARTER GROVE DRIVE GIBSONIA, PA 15044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.55% |
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 | 1,611 | 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) | 1,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,124 | $381K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,611 | $731K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,611 | $731K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,611 | $731K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,611 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,611 | — |
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.