| 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 AND AFFILIATES | $0 | $131K | $131K | 3.13% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $8K | $83 | $9K | 4.76% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 12.15% |
| EMERSON REID LLC3 | 5250 NORTH PALM, SUITE 424 FRESNO, CA 93704 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $622 | $122 | $744 | 3.47% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 271 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 492 | $180K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 300 | $21K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 417 | $67K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 417 | $67K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 271 | $4.2M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 417 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.