| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $43K | $89K | $133K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $27K | $27K | 0.80% |
| USI INSURANCE SERVICES LLC3 | 12 GILL STREET WOBURN, MA 01801 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | $0 | $16K | 0.61% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP INC | 5775 GLENRIDGE DRIVE, SUITE E500 ATLANTA, GA 30328 | RELIASTAR LIFE INSURANCE COMPANY | $183K | $0 | $183K | 28.27% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.66% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.50% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BOULEVARD, SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | $0 | $5K | — |
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 | 6,644 | 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) | 6,644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 330 | $2.6M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,929 | $164K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 12,206 | $3.3M |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 12,206 | $3.3M |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 12,206 | $3.3M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 330 | $2.6M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,225 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.