| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC. | $20K | $3K | $23K | 1.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 333 WESTCHESTER AVENUE, SUITE 202 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $15K | $3K | $18K | 1.30% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | OXFORD HEALTH INSURANCE, INC. | $15K | $0 | $15K | 1.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.64% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.34% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.37% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.68% |
| PROGRESSIVE PLAN ADMINISTRATORS3 | UNKNOWN NEW YORK, NY 10279 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.12% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES, LLC | UNKNOWN NEW YORK, NY 10279 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.34% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $822 | $0 | $822 | 5.00% |
| PROGRESSIVE PLAN ADMINISTRATORS3 Filed as: PROGRESSIVE PLAN ADMINISTRATORS INC | UNKNOWN NEW YORK, NY 10279 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $822 | $0 | $822 | 5.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | VISION SERVICE PLAN | $675 | $0 | $675 | 4.62% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 75264 | VISION SERVICE PLAN | $221 | $0 | $221 | 1.51% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE SOUTH 5TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $753 | $0 | $753 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY AND SCHILLING LLC | 15200 OMEGA DRIVE, SUITE 100 ROCKVILLE, MD 20850 | FEDERAL INSURANCE COMPANY | $386 | $0 | $386 | 14.99% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE SOUTH, 5TH FLOOR NEW YORK, NY 10016 | LEGALPLANS USA | $163 | $0 | $163 | 9.99% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 218 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 12 | $58K |
| Vision(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 218 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $73K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $65K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $73K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 218 | $1.4M |
| Other(5 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.