| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | EMBLEMHEALTH | $27K | — | $27K | 3.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | EMPIRE HEALTHCHOICE ASSURANCE,INC. | $26K | — | $26K | 4.05% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $5K | $10K | 6.80% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $2K | $7K | 17.41% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $1K | $52 | $1K | 4.67% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | AFLAC | $1K | — | $1K | 4.30% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $602 | — | $602 | 2.19% |
| COURTENAY LEE AMERLING3 | 26 THE TER KATONAH, NY 10536 | AFLAC | $395 | $62 | $457 | 1.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 261 MADISON AVE FL 5 NEW YORK, NY 10016 | AFLAC | $415 | — | $415 | 1.51% |
| GIANA M COURT3 | 544 VAN BUREN ST #1 BROOKLYN, NY 11221 | AFLAC | $254 | — | $254 | 0.92% |
| PETER JOSEPH FOURNIER3 | 210 GREENFIELD ST APT 107 WILMINGTON, NC 28401 | AFLAC | $217 | — | $217 | 0.79% |
| JACQUELINE GELINAS BEAULIEU3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $133 | — | $133 | 0.48% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINGDALE, NC 11735 | AFLAC | $104 | $23 | $127 | 0.46% |
| JACQUELINE GELINAS BEAULIEU3 | 131 E 39TH ST APT 3 NEW YORK, NC 10016 | AFLAC | $28 | — | $28 | 0.10% |
| BEAULIEU BENEFITS INC3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $8 | — | $8 | 0.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.45% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $513 | $2K | 20.00% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE,INC. | 141 | $645K |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE,INC. | 144 | $670K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE,INC. | 144 | $670K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 171 | $40K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 171 | $40K |
| Other(5 contracts, 3 carriers) | EMBLEMHEALTH | 775 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.