| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203066 NEW JERSEY LOCKBOX DALLAS, TX 75320 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $44K | $0 | $44K | 13.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $33K | $2K | $35K | 10.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 190 RIVER ROAD, FLOOR 1 SUMMIT, NJ 07901 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 823239 PHILADELPHIA, PA 19182 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 39000 SAN FRANCISCO, CA 94139 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $7K | $0 | $7K | 10.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203318 DALLAS, TX 75320 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $647 | $647 | 0.99% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: WACHOVIA INSURANCE SERVICES, INC. | 227 WEST TRADE STREET SUITE 1500 A CHARLOTTE, NC 28202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $168 | $168 | 0.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $67 | $67 | 0.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 851300 SHOREVIEW, MN 55126 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $60 | $60 | 0.09% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | $13K | $13K | 20.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | ACE AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
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 | 2,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 19 | $114K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 97 | $74K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,153 | $116K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,771 | $330K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,771 | $340K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 19 | $114K |
| Other(2 contracts, 2 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 2,300 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,300 | — |
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.