| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $266K | $301K | 4.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $158K | $158K | 2.21% |
| USI INSURANCE SERVICES LLC3 Filed as: EMERSON ROGERS/USI | UNKNOWN LOS ANGELAS, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.09% |
| USI INSURANCE SERVICES LLC3 | 600 THIRD AVENUE, 3RD FLOOR NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $49K | $0 | $49K | 16.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $546 | $5K | 10.55% |
| DONALD C SAVOY INC3 | 200 CONNELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $403 | $2K | 3.66% |
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 | 397 | 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) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 397 | $7.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 397 | $7.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $48K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 428 | $303K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 428 | $303K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 428 | $303K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 428 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.
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.