| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 1 FLORHAM PARK, NJ 079321054 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 3.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | — | $5K | $5K | 2.83% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 2.12% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 1 FLORHAM PARK, NJ 079321054 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.83% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 11.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 2.77% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | AFLAC | $3K | — | $3K | 8.51% |
| GEORGE BLAIR WEILER3 | 64 HILLTOP DR MANHASSET, NY 11030 | AFLAC | $2K | $133 | $2K | 7.20% |
| COURTENAY LEE AMERLING3 | 26 THE TERRACE KATONAH, NY 10536 | AFLAC | $658 | $16 | $674 | 2.28% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | 35 PINELAWN RD STE 190 MELVILLE, NY 11747 | AFLAC | $282 | — | $282 | 0.95% |
| USI INSURANCE SERVICES LLC3 | 600 3RD AVE FL 3 NEW YORK, NY 10016 | AFLAC | $280 | — | $280 | 0.95% |
| SHAUN T KONIOR3 | 100 NW 62ND ST STE 1020 FT LAUDERDALE, FL 33309 | AFLAC | $148 | $31 | $179 | 0.61% |
| PETER JOSEPH FOURNIER3 | 210 GREENFIELD ST APT 107 WILMINGTON, NC 28401 | AFLAC | $146 | — | $146 | 0.49% |
| GIANA M COURT3 | 108 FLAGLER AVE EDGEWATER, FL 32132 | AFLAC | $98 | — | $98 | 0.33% |
| BEAULIEU BENEFITS INC3 | 577 MARITIME WAY SUPPLY, NC 28462 | AFLAC | $86 | — | $86 | 0.29% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 102 FLORHAM PARK, NJ 07932 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | — | $679 | $679 | 5.00% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $61K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $61K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 208 | $46K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 208 | $46K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 113 | $1.5M |
| Other(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,067 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,067 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.