| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL,INC | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | OXFORD HEALTH INSURANCE , INC | $177K | — | $177K | 4.97% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 150 EAST 42ND STREET NEW YORK, NY 10017 | DELTA DENTAL OF NEW JERSEY, INC. | $9K | — | $9K | 5.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 150 EAST 42ND STREET 16TH FLOOR NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 5.22% |
| USI INSURANCE SERVICES LLC3 Filed as: WELLS FARGO D/B/A USI INSURANCE SER | PO BOX 851300 MINNEAPOLIS, MN 55485 | METROPLOITAN LIFE INSURANCE COMPANY | $7K | $57 | $7K | 13.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPLOITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 261 MADISON AVENUE FLOOR 5 NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.23% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE , INC | 449 | $3.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 204 | $163K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $16K |
| Life insurance | METROPLOITAN LIFE INSURANCE COMPANY | 332 | $52K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $95K |
| Other | METROPLOITAN LIFE INSURANCE COMPANY | 332 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.