| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 823221 PHILADELPHIA, PA 19182 | AETNA HEALTH, INC. | — | $54K | $54K | 2.63% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | AETNA HEALTH, INC. | — | $51K | $51K | 2.48% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | AETNA HEALTH, INC. | $23K | $0 | $23K | 1.13% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 300 BLUE BELL, PA 19422 | AETNA HEALTH, INC. | — | $10K | $10K | 0.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 823221 PHILADELPHIA, PA 19182 | AETNA LIFE INSURANCE COMPANY | — | $11K | $11K | 2.02% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | AETNA LIFE INSURANCE COMPANY | — | $10K | $10K | 1.72% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.85% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 300 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | — | $2K | $2K | 0.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203491 DALLAS, TX 75320 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.24% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALAHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 22.78% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $599 | $0 | $599 | 1.61% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 414 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 414 | $566K |
| Vision | VISION SERVICE PLAN | 168 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 253 | $54K |
| Long-term disability | STANDARD INSURANCE COMPANY | 253 | $54K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 414 | $2.6M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 257 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.