| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 SUITE 700 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $114K | $114K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL LLC | 3475 PIEDMONT ROAD NE STE 800 ATLANTA, GA 30305 | DELTA DENTAL OF TENNESSEE | $18K | — | $18K | 8.11% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DR STE 200 MOUNTAIN BRK, AL 35223 | DELTA DENTAL OF TENNESSEE | $3K | — | $3K | 1.52% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY NE SUITE 700 ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $19K | $5K | $23K | 12.36% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 416 WEST 13 STREET FLOOR 3 NEW YORK, NY 10014 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 1.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | — | $1K | 4.54% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 35223 | VISION SERVICE PLAN | $392 | — | $392 | 1.56% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 383 | $2.3M |
| Dental | DELTA DENTAL OF TENNESSEE | 545 | $226K |
| Vision | VISION SERVICE PLAN | 250 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 579 | $190K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 579 | $190K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 579 | $190K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 383 | $2.3M |
| Other | HARTFORD LIFE AND ACCIDENT | 579 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.