| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | 150 EAST 42ND STREET, FLOOR 16 NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | 261 MADISON AVENUE NEW YORK, NY 10116 | EYEMED VISION CARE | $2K | $0 | $2K | 16.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | PO BOX 203318 DALLAS, TX 75320 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $17 | $17 | 0.51% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: WACHOVIA INSURANCE SERVICES, INC. | 227 WEST TRADE STREET SUITE 1500 A CHARLOTTE, NC 28202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $11 | $11 | 0.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | 3475 PIEDMONT ROAD NORTHEAST SUITE 800 ATLANTA, GA 30305 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $5 | $5 | 0.15% |
| WELLS FARGO INSURANCE SERVICES3 | 261 MADISON AVENUE, 7TH FLOOR NEW YORK, NY 10016 | FOUR EVER LIFE INSURANCE COMPANY | $178 | $0 | $178 | 15.01% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 161 | $1K |
| Dental | DELTA DENTAL OF NEW YORK | 289 | $153K |
| Vision | EYEMED VISION CARE | 134 | $10K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 161 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.