| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $286K | $19K | $305K | 1.77% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10018 | HARTFORD LIFE AND ACCIDENT | $32K | $23K | $54K | 12.00% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 2.92% |
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 | 1,615 | 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) | 1,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,451 | $17.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,451 | $17.2M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,451 | $17.2M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,615 | $452K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,615 | $452K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,615 | $452K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,451 | $17.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 2,189 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,189 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.