| 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 | $219K | $0 | $219K | 20.08% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | UNKNOWN WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | UNKNOWN ARLINGTON HEIGHTS, IL 60004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$167 | $0 | -$167 | -0.02% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE VAHALLA, NY 10595 | AMERITAS LIFE INSURANCE CORPORATION | $14K | $0 | $14K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 8.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED | $3K | $0 | $3K | 7.33% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | EYEMED | $697 | $0 | $697 | 1.93% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS | 9900 PRINCETON-GLENDALE ROAD SUITE 100 CINCINNATI, OH 45246 | DENTAL CARE PLUS, INC. | $1K | $0 | $1K | 7.18% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,468 | $1.1M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 1,179 | $304K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,468 | $1.4M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $170K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $170K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,468 | $1.1M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 207 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,468 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.