| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $127K | $12K | $138K | 3.92% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE, SUITE 102 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.76% |
| USI INSURANCE SERVICES LLC3 | 100 NE 3RD AVENUE, SUITE 610 FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | $0 | $92 | $92 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $752 | $7K | 10.02% |
| EMERSON REID LLC3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 442 | $3.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 486 | $172K |
| Vision | AETNA LIFE INSURANCE COMPANY | 486 | $172K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $69K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $69K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 442 | $3.5M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 430 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.