| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE, INC. | $61K | $0 | $61K | 4.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $9K | $0 | $9K | 10.97% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 1.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | UNKNOWN NEW YORK, NY 10279 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | VISION SERVICE PLAN | $798 | $0 | $798 | 5.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURNCE SERVICES LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $695 | $0 | $695 | 10.00% |
| USA INSURANCE SERVICES LLC3 | 261 MADISON AVENUE SOUTH, 5TH FLOOR NEW YORK, NY 10016 | LEGALPLANS USA | $229 | $0 | $229 | 9.98% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 144 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 8 | $58K |
| Vision(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 144 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 93 | $92K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 93 | $85K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 93 | $92K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 144 | $1.5M |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 93 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.