| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | KAISER FOUNDATION HEALTH PLAN, INC. | $44K | $0 | $44K | 2.67% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | KAISER FOUNDATION HEALTH PLAN, INC. | $841 | $0 | $841 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $146K | $43K | $188K | 12.94% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST PP-13V NEWARK, NJ 07105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73K | $0 | $73K | 5.00% |
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 | 2,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 67 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 81 | $1.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,036 | $1.5M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,036 | $1.5M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,036 | $1.5M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 81 | $1.6M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,036 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,036 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.