| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $103K | $38K | $141K | 6.33% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE 3RD FLOOR NEW YORK, NY 10016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | $18K | $66K | 6.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $27K | — | $27K | 6.00% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE SUITE 102 WHITE PLAINS, NY 106042910 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 19.52% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $64 | — | $64 | 4.24% |
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 | 8,817 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 72 | $416K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,226 | $368K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 12,747 | $454K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 6,337 | $2.2M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 8,705 | $948K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 72 | $416K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,120 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,747 | — |
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.