| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TBG WEST INSURANCE SERVICES3 | 6077 BRISTOL PARKWAY CULVER CITY, NY 90230 | FIRST UNUM LIFE INSURANCE COMPANY | $59K | $39K | $99K | 2.88% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $43K | $25K | $69K | 2.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | MINNESOTA LIFE INSURANCE COMPANY | $146K | $0 | $146K | 5.17% |
| USA CONSULTING GROUP INC3 | 95 GLASTONBURY BOULEVARD GLASTONBURY, CT 06033 | MINNESOTA LIFE INSURANCE COMPANY | $53K | $0 | $53K | 1.87% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23465 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $121K | $0 | $121K | 5.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66995 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 1.96% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $39K | $0 | $39K | 15.00% |
| COMPREHENSIVE CORPORATE CARE LLC3 | 252 SEVENTH AVENUE, SUITE 9-F NEW YORK, NY 10001 | JOHN HANCOCK | $21K | $0 | $21K | 9.85% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 6.90% |
| PHILIP T DAVIS3 Filed as: PHILIP T. DAVIS | 73 PINE HILL ROAD NEW FAIRFIELD, CT 06810 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.88% |
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 | 1,566 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 153 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,719 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 363 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 846 | $2.2M |
| Vision(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,537 | $2.5M |
| Life insurance(3 contracts, 3 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 1,558 | $5.6M |
| Long-term disability(3 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 4,280 | $5.7M |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | 1,566 | $479K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,280 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.