| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | $0 | $50K | 2.50% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $37K | $37K | 1.83% |
| USI INSURANCE SERVICES LLC3 | 123 INTERSTATE DRIVE WEST SPRINGFIELD, MA 01089 | DELTA DENTAL OF NEW YORK | $3K | $0 | $3K | 2.50% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL III | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $5K | $16K | 19.31% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $798 | $2K | 2.92% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 204 QUAYSIDE CIRCLE, SUITE 501 MAITLAND, FL 32751 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $736 | $238 | $974 | 1.19% |
| LINDA B ALLEN3 Filed as: LINDA B. ALLEN | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $893 | $34 | $927 | 1.13% |
| ALTON B BARTON3 Filed as: ALTON B. BARTON | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $532 | $328 | $860 | 1.05% |
| SHANE MATTHEW SALYERS3 Filed as: SHANE MATTHEEW SALYERS | 192 SUMMERFIELD COURT ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $0 | $91 | 0.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 11.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL III | 166 PIPPIN STREET ROANOKE, VA 24019 | PAUL REVERE LIFE INSURANCE COMPANY | $660 | $21 | $681 | 4.82% |
| ROBERT ARNOLD3 | 650 FIRST STREET HOBOKEN, NJ 07030 | PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| HOWARD HOROWITZ3 Filed as: HOWARD P. DILEMA | 100 JAY STREET APARTMENT 14 J BROOKLYN, NY 11201 | PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| TOMMY TAM3 | 418 EAST 74TH STREET NEW YORK, NY 10021 | PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.03% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 12 MOONSHADOW COURT KINNELON, NJ 07405 | PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 250 | $2.0M |
| Dental | DELTA DENTAL OF NEW YORK | 345 | $103K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $45K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 250 | $2.0M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 176 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.