| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NJ INC | $6K | — | $6K | 3.24% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62937 VIRGINIA BEACH, VA 234662937 | VISION SERVICE PLAN | $2K | — | $2K | 4.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 234662937 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 18.23% |
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 | 297 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 228 | $549K |
| Dental | DELTA DENTAL OF NJ INC | 544 | $186K |
| Vision | VISION SERVICE PLAN | 232 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $27K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 228 | $549K |
| Stop-loss / reinsurancereinsurance | HORIZON HEALTHCARE SERVICES INC | 228 | $549K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 297 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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.