| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $50K | $8K | $58K | 3.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 4.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 2.16% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 26.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $348 | $6K | 18.44% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | $0 | $2K | 4.54% |
| JENNA ASHLEY CAROFANO3 | 200 COUNTRY VILLAGE LANE EAST ISLIP, NY 11730 | AFLAC | $1K | $0 | $1K | 4.19% |
| DIANA TERESA DILUCA3 | 23 HEDGEROW LANE COMMACK, NY 11725 | AFLAC | $274 | $0 | $274 | 0.80% |
| OLGA DRAGONE3 Filed as: OLGA DRAGONE AND OTHER AGENTS | 99 JOHN STREET, APT 220 NEW YORK, NY 10038 | AFLAC | $218 | $0 | $218 | 0.64% |
| DIANDRA STIPPEL3 | 1105 STATION WAY HUNTINGTON STATION, NY 11746 | AFLAC | $115 | $0 | $115 | 0.34% |
| JENNIFER DESTEFANO-CAMACHO3 | 41 HOMESTEAD LANE LEVITTOWN, NY 11756 | AFLAC | $58 | $0 | $58 | 0.17% |
| MICHAEL RAIMO3 | 21 JACKSON STREET EAST ISLIP, NY 11730 | AFLAC | $34 | $0 | $34 | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $63 | $3K | 13.50% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.43% |
| UNKNOWN3 | UNKNOWN COMMACK, NY 11725 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $63 | $63 | 0.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $893 | $0 | $893 | 6.38% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 221 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 134 | $101K |
| Vision | VISION SERVICE PLAN | 130 | $14K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 211 | $115K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 58 | $57K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 211 | $57K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 221 | $1.9M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 211 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.