| 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 | — | $89K | $89K | 4.83% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 300 EXECUTIVE DRIVE, SUITE 380 WEST ORANGE, NJ 07052 | AETNA LIFE INSURANCE COMPANY | $3K | $7K | $10K | 14.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SERVICES | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.43% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE120 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $5K | $83 | $5K | 6.58% |
| GARY WOOD ASSOCIATES, INC. Filed as: GARY WOOD ASSOCIATES INC | 825 THIRD AVENUE 2ND FLOOR NEW YORK, NY 10022 | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | $892 | $0 | $892 | 20.00% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 242 | $71K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $82K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $82K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $1.8M |
| Other | NATIONAL UNION FIRE INSURANCE CO. OF PITTSBURGH, PA | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.