| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | $0 | $45K | 2.52% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP, LLC | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $36K | $36K | 2.00% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN HAUPPAGUE, NY 11788 | DELTA DENTAL OF NEW YORK | $3K | $0 | $3K | 2.50% |
| CHARLES A DUVALL III3 | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $3K | $11K | 13.52% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $372 | $2K | 1.93% |
| LINDA B ALLEN3 | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $843 | $8 | $851 | 1.07% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCE, SUITE 501 MAITLAND, FL 32751 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $549 | $37 | $586 | 0.73% |
| SANDRA LOWE LINGLE3 | 3812 CONCORD PLACE, SUITE 6 ROANOKE, VA 24018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $364 | $29 | $393 | 0.49% |
| ALTON B BARTON3 | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $130 | $0 | $130 | 0.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $827 | $5K | 13.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| CHARLES A DUVALL III3 | 166 PIPPIN STREET ROANOKE, VA 24019 | PAUL REVERE LIFE INSURANCE COMPANY | $510 | $0 | $510 | 4.18% |
| RAYMOND B LINGLE3 | 3812 CONCORD PLACE ROANOKE, VA 24018 | PAUL REVERE LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.72% |
| LINDA B ALLEN3 | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | PAUL REVERE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.39% |
| JOHN E CUMMINGS3 | 204 QUAYSIDE CIRCE, SUITE 501 MAITLAND, FL 32751 | PAUL REVERE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.39% |
| TOMMY TAM3 Filed as: TOMMY TAM AND VARIOUS AGENT | 418 EAST 74TH STREET NEW YORK, NY 10021 | PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.04% |
| 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% |
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 | 167 | $1.8M |
| Dental | DELTA DENTAL OF NEW YORK | 344 | $106K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 176 | $40K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $1.8M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 176 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.