| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | AETNA LIFE INSURANCE COMPANY | $47K | $0 | $47K | 4.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 180 PARK AVE 1ST FLOOR FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NEW JERSEY, INC | $4K | — | $4K | 3.05% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE, LLC | 180 PARK AVENUE SUITE 102 FLORHAM PARK, NJ 07932 | SILVER SCRIPT - CVS PHARMACY, INC. | $0 | — | $0 | 0.00% |
| DAN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | VISION SERVICE PLAN | $584 | — | $584 | 2.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $584 | — | $584 | 2.61% |
| MACLELLAN, DANIEL, OWEN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $420 | — | $420 | 2.90% |
| USI INSURANCE SERVICES LLC3 | 1441 MAIN ST 15TH FLOOR COLUMBIA, SC 29201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $253 | — | $253 | 1.75% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 102 FLORHAM PARK, NJ 07932 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $102 | — | $102 | 0.70% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 102 FLORHAM PARK, NJ 07932 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 180 PARK AVE 1ST FLOOR FLORHAM PARK, NJ 07932 | FLAGSHIP HEALTH SYSTEMS | $0 | — | $0 | 0.00% |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC | 325 | $240K |
| Vision | VISION SERVICE PLAN | 200 | $22K |
| Prescription drug | SILVER SCRIPT - CVS PHARMACY, INC. | 9 | $24K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 340 | $969K |
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.