| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | EMBLEMHEALTH | $91K | $84K | $175K | 3.81% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE 3RD FLOOR NEW YORK, NY 10016 | FIRST RELIANCE STANDARD | $5K | — | $5K | 2.65% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD | $5K | — | $5K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE 3RD FLOOR NEW YORK, NY 10016 | FIRST RELIANCE STANDARD | $5K | — | $5K | 4.91% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE 3RD FLOOR NEW YORK, NY 10016 | FIRST RELIANCE STANDARD | $3K | — | $3K | 5.43% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD | $3K | — | $3K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM BLUE CROSS | $563 | $399 | $962 | 6.73% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 331 | $4.6M |
| Vision | ANTHEM BLUE CROSS | 170 | $14K |
| Life insurance | FIRST RELIANCE STANDARD | 479 | $63K |
| Short-term disability | FIRST RELIANCE STANDARD | 548 | $194K |
| Long-term disability | FIRST RELIANCE STANDARD | 499 | $102K |
| Other | FIRST RELIANCE STANDARD | 479 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.