| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CICINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 7.80% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD SOUTH PORTLAND, ME 04106 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.18% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RIVERTAN RISK MANAGEMENT LLC | 575 STATE ROUTE 28, SUITE 201 RARITAN, NJ 08869 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 14.99% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 Filed as: ADVANCED BENF CEPS OF CHERRY HILL | 413 MARLTON PIKE EAST, SUITE 300 CHERRY HILL, NJ 08034 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 4.00% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: RIVERTAN RISK MANAGEMENT, LLC | UNKNOWN TINTON FALLS, NJ 08869 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 6.84% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 242 | $311K |
| Dental | AETNA LIFE INSURANCE COMPANY | 242 | $295K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 242 | $311K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $146K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $162K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 242 | $311K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 203 | $146K |
| 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."
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.