| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 914 JUDSON ROAD LONGVIEW, TX 75601 | HIGHMARK NEW YORK | $60K | — | $60K | 6.37% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND-BUFFALO PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL FINANCIAL | $7K | — | $7K | 10.00% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND-BUFFALO PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL FINANCIAL | $5K | — | $5K | 10.00% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND-BUFFALO PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL FINANCIAL | $7K | — | $7K | 15.00% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND-BUFFALO PO BOX 62937 VIRGINIA BEACH, VA 23466 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.33% |
| USI INSURANCE SERVICES LLC3 | NEW ENGLAND-BUFFALO PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL FINANCIAL | $3K | — | $3K | 15.00% |
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 | 443 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK NEW YORK | 310 | $935K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 262 | $31K |
| Life insurance(2 contracts) | PRUDENTIAL FINANCIAL | 443 | $129K |
| Long-term disability(2 contracts) | PRUDENTIAL FINANCIAL | 443 | $68K |
| Prescription drug | HIGHMARK NEW YORK | 310 | $935K |
| Other | HIGHMARK NEW YORK | 310 | $935K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.