| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 3.67% |
| USI INSURANCE SERVICES LLC3 | 855 RT 146 STE 235 CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $451 | — | $451 | 1.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 9.29% |
| USI INSURANCE SERVICES LLC3 | 855 RT 146 STE 235 CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $407 | — | $407 | 2.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 11.09% |
| USI INSURANCE SERVICES LLC3 | 855 RT 146 STE 235 CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $216 | — | $216 | 2.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $172 | — | $172 | 3.35% |
| USI INSURANCE SERVICES LLC3 | 855 RT 146 STE 235 CLIFTON PARK, NY 12065 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $59 | — | $59 | 1.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $449 | — | $449 | 8.91% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENT HEALTH ASSOCIATION | 91 | $1.2M |
| Dental | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 86 | $38K |
| Vision | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 44 | $5K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 126 | $17K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 59 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.