| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE - FL 6 NEW YORK, NY 10016 | UNITED HEALTHCARE INSURANCE COMPANY | $211K | — | $211K | 4.34% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVE SUITE 102 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $32K | — | $32K | 8.48% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $13K | $13K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $3K | $12K | 4.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DR SUITE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MICHAEL A BOOK3 Filed as: MICHAEL BOOK | 530 5TH AVENUE - FL 11 NEW YORK, NY 10036 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $638 | $5K | 16.44% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES CORP | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GEORGE E BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $197 | — | $197 | 4.66% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.69% |
| WILLIAM E GOOD3 | 311 BOWIE STREET AUSTIN, TX 78703 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $518 | — | $518 | 14.99% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 593 | $4.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 576 | $374K |
| Vision | AETNA LIFE INSURANCE COMPANY | 576 | $374K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 334 | $363K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 0 | $33K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 334 | $250K |
| Other(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 334 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.