| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $67K | — | $67K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $25K | — | $25K | 14.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $24K | — | $24K | 13.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 5.39% |
| PROGRESSIVE PLAN ADMINISTRATORS3 Filed as: PROGRESSIVE PLAN ADMIN | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | EMBLEM HEALTH | $354 | — | $354 | 2.23% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVE FL 5 NEW YORK, NY 100162303 | VSP - VISION SERVICE PLAN | $555 | — | $555 | 5.33% |
| USI INSURANCE SERVICES LLC3 | 408 9TH ST HUNTINGTON, WV 257011418 | VSP - VISION SERVICE PLAN | $210 | — | $210 | 2.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $653 | — | $653 | 8.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $66 | — | $66 | 1.12% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $648 | — | $648 | 14.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $534 | — | $534 | 12.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| J.P. WEST INC.3 Filed as: J.P. WEST, INC | 44 WALL STREET 12TH FLOOR NEW YORK, NY 100050000 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $60 | — | $60 | 8.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $5 | — | $5 | 7.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR STE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| PROGRESSIVE PLAN ADMINISTRATORS3 Filed as: PROGRESSIVE PLAN ADMIN | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | EMBLEM HEALTH | — | — | $0 | — |
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 | 91 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 92 | $1.7M |
| Dental(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 92 | $1.7M |
| Vision | VSP - VISION SERVICE PLAN | 87 | $10K |
| Life insurance(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 151 | $357K |
| Long-term disability(8 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 104 | $370K |
| Other(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 151 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.