| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $63K | $0 | $63K | 5.43% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $491 | $2K | 4.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.94% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN PHOENIX, AZ 85016 | MONY LIFE INSURANCE COMPANY OF AMERICA | $45K | $3K | $48K | 106.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | UNKNOWN MELVILLLE, NY 11747 | MONY LIFE INSURANCE COMPANY OF AMERICA | $45K | $3K | $48K | 105.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3 EXECUTIVE PARK DRIVE, SUITE 300 BEDFORD, NH 03110 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.68% |
| TYCOR BENEFIT ADMINISTRATION3 | 850 CASSATT ROAD, SUITE 310 BERWYN, PA 19312 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $224 | $0 | $224 | 2.14% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 141 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 159 | $51K |
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 99 | $56K |
| Long-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 99 | $56K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 141 | $1.2M |
| Other(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 99 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
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.