| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 1040 MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $1K | $28K | 10.56% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RIVERTAN RISK MANAGEMENT, LLC | 600 ROUTE 206 RARITAN, NJ 08869 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.89% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RIVERTAN RISK MANAGEMENT, LLC | 575 ROUTE 28, SUITE 201 RARITAN, NJ 08869 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 5.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 75 JOHN ROBERTS ROAD BUILDING C SOUTH PORTLAND, MA 04106 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRIGNIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRIGNIA BEACH, VA 23466 | EYEMED VISION CARE | $1K | $0 | $1K | 6.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE MERIDEN, CT 06450 | NATIONAL UNION FIRE INSURANCE OF PITTSBURGH, PA | $150 | $0 | $150 | 15.00% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $262K |
| Dental | AETNA LIFE INSURANCE COMPANY | 263 | $77K |
| Vision | EYEMED VISION CARE | 204 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $192K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $209K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $262K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
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.