| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | FIRST UNUM LIFE INSURANCE COMPANY | $308K | $2K | $311K | 5.14% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 6TH FLOOR NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.10% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | MINNESOTA LIFE INSURANCE COMPANY | $187K | $0 | $187K | 6.68% |
| 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 | $16K | $0 | $16K | 2.37% |
| COMPREHENSIVE CORPORATE CARE LLC3 | 252 SEVENTH AVENUE, SUITE 9-F NEW YORK, NY 10001 | JOHN HANCOCK | $24K | $0 | $24K | 9.62% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $25K | $0 | $25K | 15.00% |
| SPECIAL RISK INSURANCE SERVICES INC3 | PO BOX 1108 VOORHEES, NJ 08043 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $23K | $0 | $23K | 15.00% |
| MATTHEW B. SCHOEN3 | 2754 BRANDT DRIVE, SUITE 200 FARGO, ND 58104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 10.26% |
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 | 1,447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 282 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 743 | $99K |
| Vision | VISION SERVICE PLAN | 1,553 | $355K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 1,496 | $3.5M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 4,448 | $6.0M |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 4,448 | $6.2M |
| Other(3 contracts, 2 carriers) | JOHN HANCOCK | 1,447 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,448 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.