| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 600 HIGHWAY 169 SOUTH ST LOUIS PARK, MN 55426 | AETNA LIFE INSURANCE CO | $40K | — | $40K | 5.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 180 PARK AVE SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NEW JERSEY, INC | $4K | $0 | $4K | 2.75% |
| USI INSURANCE SERVICES LLC3 | 600 HIGHWAY 169 SOUTH SUITE 1200 ST. LOUIS, MN 55426 | AETNA LIFE INSURANCE CO | $5K | $0 | $5K | 3.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | VISON SERVICE PLAN | $565 | $0 | $565 | 1.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 180 PARK AVE, SUITE 102 FLORHAM PARK, NJ 07932 | FLAGSHIP HEALTH SYSTMES | $284 | $0 | $284 | 2.79% |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 387 | $150K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC | 387 | $317K |
| Vision | VISON SERVICE PLAN | 309 | $35K |
| Prescription drug | EXPRESS SCRIPTS | 399 | $2.4M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 392 | $787K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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."
No prospect flags tripped on this filing.