| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TYCOR BENEFIT ADMINISTRATION3 Filed as: TYCOR BENEFIT ADMINISTRATOR | 850 CASSATT ROAD, SUITE 310 BERWYN, PA 19312 | AETNA LIFE INSURANCE COMPANY | — | $36K | $36K | 4.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | — | $7K | $7K | 0.92% |
| TYCOR BENEFIT ADMINISTRATION3 | 850 CASSATT ROAD, SUITE 310 BERWYN, PA 19312 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.77% |
| DAVID A. WEBSTER3 | 324 86TH STREET STONE HARBOR, NJ 08247 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $671 | — | $671 | 1.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | THREE EXECUTIVE PARK DRIVE SUITE 300 BEDFORD, NH 03110 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $209 | — | $209 | 0.40% |
| TYCOR BENEFIT ADMINISTRATORS3 Filed as: TYCOR BENEFIT ADMINISTRATORS, INC. | 850 CASSATT ROAD, SUITE 310 BERWYN, PA 19312 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2 WEST LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | — | $897 | $897 | 2.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $548 | — | $548 | 1.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | PRINCIPAL LIFE INSURANCE COMPANY | $218 | — | $218 | 0.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 425 EAGLE ROCK AVENUE ROSELAND, NJ 07068 | PRINCIPAL LIFE INSURANCE COMPANY | -$11 | — | -$11 | -0.03% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 151 | $799K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 87 | $43K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 91 | $53K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 91 | $53K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 151 | $799K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 91 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.