| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVE SUITE 102 WHITE PLAINS, NY 10604 | EMBLEM HEALTH | $41K | — | $41K | 3.81% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE SUITE 102 WEST HARRISON, NY 10604 | CONNECTICUT GENERAL LIFE INSURANCE CO. | $19K | — | $19K | 6.92% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE, SUITE 102 WEST HARRISON, NY 10604 | CONNECTICUT GENERAL LIFE INSURANCE CO. | $148 | — | $148 | 8.02% |
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 | 1,824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | EMBLEM HEALTH | 86 | $1.4M |
| Dental(2 contracts, 2 carriers) | EMBLEM HEALTH | 86 | $1.4M |
| Prescription drug(3 contracts, 2 carriers) | EMBLEM HEALTH | 86 | $1.4M |
| Other | CONNECTICUT GENERAL LIFE INSURANCE CO. | 1 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.