| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES, LLC | 40 RICHARDS AVE SUITE 5 NORWALK, CT 06854 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 200 W CYPRESS CREEK ROAD, SUITE 500 FORT LAUDERDALE, FL 33309 | ANTHEM LIFE INSURANCE COMPANY | $14K | $1K | $15K | 7.19% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.70% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA, INC | 21 | $68K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 654 | $1.1M |
| Vision | ANTHEM HEALTH PLANS, INC. | 441 | $29K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 400 | $212K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 400 | $212K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 400 | $212K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 654 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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.