| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 NE 3RD AVENUE SUITE 1050 FT. LAUDERDALE, FL 33301 | DELTA DENTAL OF NEW YORK | $24K | — | $24K | 1.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NAT'L INC. | PO BOX 201629 DALLAS, TX 753201629 | DELTA DENTAL OF NEW YORK | $6K | — | $6K | 0.39% |
| USI INSURANCE SERVICES LLC3 | 100 NE 3RD AVE STE 1050 FT. LAUDERDALE, FL 33301 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $15K | $22K | 2.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $17K | $24K | 3.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $8K | $20K | 6.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $37K | $15K | $52K | 21.01% |
| USI INSURANCE SERVICES LLC3 | 8050 N UNIVERSITY DRIVE SUITE 250 TAMARAC, FL 33321 | FIRST UNUM LIFE INSURANCE COMPANY | $893 | — | $893 | 0.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 201629 DALLAS, TX 753201629 | VISION SERVICE PLAN | $4K | — | $4K | 2.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS. NATIONAL, INC. | 201 MISSION STREET 11TH FLOOR SAN FRANCISCO, CA 94105 | EMPLOYEE SERVICES, INC. | $8K | — | $8K | 5.00% |
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 | 3,842 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 3,929 | $1.5M |
| Vision | VISION SERVICE PLAN | 2,044 | $218K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 3,842 | $751K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 3,097 | $667K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 917 | $292K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 6,643 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,643 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.