| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 180 PARK AVENUE SUITE 102 FLORHAM PARK, NJ 07932 | EXPRESS SCRIPTS | $7K | $0 | $7K | 0.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 600 HIGHWAY 169 SOUTH ST. LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CO. | $33K | $0 | $33K | 4.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 180 PARK AVENUE SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NJ, INC. | $5K | — | $5K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 600 HIGHWAY 169 SOUTH SUITE 1200 ST. LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CO | $4K | $0 | $4K | 2.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | PO BOX 201629 DALLAS, TX 75320 | VISION SERVICE PLAN | $843 | $0 | $843 | 2.50% |
| DAN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 372058434 | VISION SERVICE PLAN | $843 | $0 | $843 | 2.50% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | 4300 CENTREWAY PLACE ARLINGTON, TX 76018 | AETNA LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FLAGSHIP HEALTH SYSTEMS | $374 | $0 | $374 | 2.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMAPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $473K |
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 | 618 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 642 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NJ, INC. | 521 | $320K |
| Vision | VISION SERVICE PLAN | 307 | $34K |
| Prescription drug | EXPRESS SCRIPTS | 483 | $2.0M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 498 | $677K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.