| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | EMBLEMHEALTH | $32K | $0 | $32K | 1.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3716 NORFOLK, VA 23514 | HORIZON HEALTHCARE SERVICES, INC. | $14K | $0 | $14K | 1.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $7K | $219 | $7K | 1.77% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $5K | $5K | 1.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $123 | $170 | $293 | 0.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 1.83% |
| JOSEPH A. PIRRI3 | 40 USHER TERRACE BRISTOL, RI 02809 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $262 | $2K | 1.62% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | VISION SEVICE PLAN | $6K | $0 | $6K | 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 | 1,552 | 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) | 1,552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | EMBLEMHEALTH | 170 | $3.1M |
| Dental | DELTA DENTAL OF RHODE ISLAND | 10 | $4K |
| Vision | VISION SEVICE PLAN | 462 | $63K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,552 | $402K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,552 | $402K |
| Prescription drug(4 contracts, 4 carriers) | EMBLEMHEALTH | 170 | $3.1M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,552 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,552 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.