| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $102K | $124K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 6TH FLOOR NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $83K | $0 | $83K | 1.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $36K | $46K | 1.43% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1200 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 0.67% |
| USI INSURANCE SERVICES LLC3 | 300 CORPORATE CENTER DRIVE SUITE 303 CAMP HILL, PA 17011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $7K | $19K | 11.21% |
| WORKFORCE CONCEPTS LLC3 | 5208 CASTLESTON DRIVE BALTIMORE, MD 21237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 4.34% |
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 | 1,002 | 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) | 1,002 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,177 | $9.5M |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,177 | $9.5M |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,177 | $9.5M |
| Life insurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,177 | $9.5M |
| Short-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,177 | $9.5M |
| Long-term disability(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,177 | $9.5M |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,177 | $9.5M |
| Other(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,177 | $9.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,177 | — |
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."
No prospect flags tripped on this filing.