| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 1.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $89 | $89 | 0.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38 | $38 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62K | $0 | $62K | 25.03% |
| RICHARD PETERSON3 Filed as: RICHARD D. PETERSON | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 1.82% |
| ROBERT THOMAS JENSEN3 | 2 SOUTHDOWN COURT HUNTINGTON, NY 11743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | ALLSTATE IDENTITY THEFT | $26K | $0 | $26K | 25.00% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 499 WASHINGTON BOULEVARD 8TH FLOOR, SUITE 810 JERSEY CITY, NJ 07310 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 2,570 | 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) | 2,570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 42 | $284K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,593 | $1.9M |
| Vision | VISION SERVICE PLAN | 1,988 | $328K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,562 | $2.2M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,562 | $2.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 42 | $284K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,570 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,593 | — |
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."
No prospect flags tripped on this filing.