| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVE SUITE 102 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $19K | $10K | $29K | 5.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE - FL 5 NEW YORK, NY 10016 | UNITED HEALTHCARE INSURANCE COMPANY | $269K | — | $269K | 83.15% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $6K | $15K | 5.40% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $14K | $14K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $3K | $11K | 8.93% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.05% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASS MUTUAL LIFE INSURANCE COMPANY | $934 | — | $934 | 0.84% |
| 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 | $725 | — | $725 | 14.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | NATIONAL UNION FIRE INC. CO. OF PITTSBURGH, P.A. | $611 | — | $611 | 15.00% |
| GEORGE E BIEL3 | 1257 CROSSBILL COURT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $89 | — | $89 | 4.49% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.76% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.35% |
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 | 428 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 711 | $323K |
| Dental | AETNA LIFE INSURANCE COMPANY | 696 | $512K |
| Vision | AETNA LIFE INSURANCE COMPANY | 696 | $512K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 497 | $388K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 364 | $120K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 497 | $276K |
| Other(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 497 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.