| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 6TH FLOOR NEW YORK, NY 10016 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $96K | $0 | $96K | 2.15% |
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $121K | $81K | $202K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | SECURIAN LIFE INSURANCE COMPANY | $132K | $0 | $132K | 4.87% |
| USI INSURANCE SERVICES LLC3 | 95 GLASTONBURY BOULEVARD SUITE 102 GLASTONBURY, CT 06033 | SECURIAN LIFE INSURANCE COMPANY | $43K | $0 | $43K | 1.61% |
| UNKNOWN3 | UNKNOWN NEW YORK, NY 10020 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $32K | $0 | $32K | 5.00% |
| COMPHREHENSIVE CORPORATE CARE LLC3 | 252 SEVENTH AVENUE, SUITE 9-F NEW YORK, NY 10001 | JOHN HANCOCK | $23K | $0 | $23K | 9.61% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $33K | $0 | $33K | 15.00% |
| PHILLIP T. DAVIS3 | 73 PINE HILL ROAD NEW FAIRFIELD, CT 06810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 11.67% |
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 | 1,602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 163 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 386 | $4.5M |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 722 | $4.6M |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,483 | $4.8M |
| Life insurance(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,575 | $7.8M |
| Long-term disability(3 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 4,341 | $8.6M |
| Other(2 contracts, 2 carriers) | JOHN HANCOCK | 1,602 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,341 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.