| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 600 3RD AVE FRNT 3 NEW YORK, NY 100161901 | UNITED HEALTHCARE INSURANCE COMPANY | $236K | — | $236K | 3.01% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | $19K | $21K | $41K | 8.36% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY, SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $23K | $23K | 5.35% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $12K | $23K | 5.29% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVE WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $6K | $15K | 8.03% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY, SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $9K | $9K | 5.00% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.17% |
| 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% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W, FL 645, NO. 6TH LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.76% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.38% |
| WILLIAM E GOOD3 | 545 TOM SAWYER RD DRIPPING SPRINGS, TX 78620 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.38% |
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 | 426 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 323 | $7.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 606 | $485K |
| Vision | AETNA LIFE INSURANCE COMPANY | 606 | $485K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 431 | $528K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 362 | $182K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 431 | $432K |
| Other(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 431 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.