| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC | $114K | $0 | $114K | 4.01% |
| USI INSURANCE SERVICES LLC3 | 300 MADISON AVENUE 7TH FLOOR NEW YORK, NY 10017 | AETNA LIFE INSURANCE COMPANY | $8K | $49 | $8K | 3.41% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE 6TH FLOOR NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.60% |
| USI INSURANCE SERVICES LLC3 | USI INSURANCE SERVICES NATIONAL MINNEAPOLIS, MN 55485 | AXA EQUITABLE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.29% |
| USI INSURANCE SERVICES LLC3 | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.21% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.83% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 8.78% |
| REBUEN WARNER ASSOCIATES, INC.3 | 1655 RICHMAND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $726 | $543 | $1K | 4.18% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 301 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 369 | $238K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $51K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 266 | $30K |
| Long-term disability | AXA EQUITABLE LIFE INSURANCE COMPANY | 166 | $72K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 301 | $2.8M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 186 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.