| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 12.07% |
| RAY ARNOLD TAMEZ AND OTHER AGENTS3 | PO BOX 221 LA VILLA, TX 78562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 5.39% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 3.09% |
| LIZET BARBA3 | 4836 WEST 123RD STREET HAWTHORNE, CA 90250 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.04% |
| DANIEL C HARRIS3 | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.54% |
| MATTHEW RYAN KIRKWOOD3 | 337 FIELDSRUN ROAD NEW CASTLE, PA 16105 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 1.47% |
| ELIZABETH GONZALEZ3 | 10141 PREMIER AVE WESTMINSTER, CA 92683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.38% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTIN AVENUE MERIDEN, CT 06450 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.95% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II, SUITE300 ELMWOOD PARK, NJ 07407 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.38% |
| USI INSURANCE SERVICES LLC3 | 95 GLASTONBURY BOULEVARD, SUITE 406 GLASTONBURY, CT 06033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.17% |
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 | 396 | 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) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 160 | $76K |
| Vision | AETNA LIFE INSURANCE COMPANY | 160 | $76K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 371 | $201K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 371 | $30K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 371 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.