| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $105K | $105K | 3.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $53K | $53K | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 150 JOHN F KENNEDY PKWY STE 520 SHORT HILLS, NJ 07078 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 0.98% |
| USI INSURANCE SERVICES LLC3 | BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 2.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 2.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | CHURCH STREET PO BOX 4557 NEW YORK, NY 10249 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 1.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 NORTHEAST VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $10K | $19K | 14.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS OF NEW JERSEY INC | 150 JOHN F KENNEDY PKWY STE 520 SHORT HILLS, NJ 07078 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 2.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 NORTHEAST VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $9K | $10K | $18K | 16.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 150 JOHN F KENNEDY PKWY STE 520 SHORT HILLS, NJ 07078 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 2.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $4K | $4K | $7K | 15.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILIS OF NEW JERSEY INC | 15O JOHN F KENNEDY PKWY STE 520 SHORT HILLS, NJ 07078 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 2.45% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $3.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 217 | $163K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 217 | $163K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 383 | $160K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 383 | $129K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 383 | $129K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $3.5M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 383 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.