| 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 | $40K | $0 | $40K | 3.01% |
| UNKNOWN3 | UNKNOWN NEW YORK, NY 10279 | OXFORD HEALTH INSURANCE, INC | $13K | $0 | $13K | 0.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $18K | $0 | $18K | 28.73% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $4K | $4K | 6.42% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $822 | $0 | $822 | 2.34% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | VISION SERVICE PLAN | $501 | $0 | $501 | 3.74% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $295 | $0 | $295 | 10.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | LEGALPLANS USA | $205 | $0 | $205 | 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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 3 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3 | $35K |
| Vision(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 88 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 103 | $65K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 103 | $62K |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 103 | $65K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 0 | $1.3M |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 103 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.