| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $78K | $80K | 4.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $416 | $755 | $1K | 5.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $788 | — | $788 | 5.01% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | VISION SERVICE PLAN | $293 | — | $293 | 1.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $308 | $571 | $879 | 5.71% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 180 PARK AVENUE SUITE 102 FLORHAM PARK, NJ 07932 | ZURICH AMERICAN INSURANCE COMPANY | $473 | — | $473 | 15.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $473 | $473 | 15.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $62 | $114 | $176 | 5.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $9 | $15 | $24 | 5.65% |
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 | 149 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.9M |
| Vision | VISION SERVICE PLAN | 144 | $16K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 115 | $21K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 20 | $425 |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 115 | $15K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.9M |
| Other(2 contracts, 2 carriers) | ZURICH AMERICAN INSURANCE COMPANY | 125 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.