| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 23514 | AETNA LIFE INSURANCE COMPANY | $172K | — | $172K | 4.08% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 23514 | FIRST UNUM LIFE INSURANCE COMPANY | $21K | $1K | $22K | 12.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $9K | — | $9K | 5.76% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | — | $2K | $2K | 1.46% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,272 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,272 | $4.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,272 | $4.2M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 401 | $180K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 564 | $158K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 564 | $158K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,272 | $4.2M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 401 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,272 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.