| 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 | $106K | $106K | 2.84% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, ME 04106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65K | $0 | $65K | 25.16% |
| ROBERT THOMAS JENSEN3 | 5 JEANNE MARIE COURT HUNTINGTON, NY 11743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | $0 | $130 | 0.05% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.02% |
| UNKNOWN3 | UNKNOWN MORRISTOWN, NJ 07960 | INFOARMOR, INC./ALLSTATE IDENTITY PROTECTION | $26K | $0 | $26K | 23.09% |
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 | 2,554 | 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) | 2,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 30 | $472K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 4,353 | $2.0M |
| Vision | VISION SERVICE PLAN | 2,034 | $334K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,554 | $3.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,554 | $3.7M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 30 | $472K |
| Other(5 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,584 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,353 | — |
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.