| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 300 EXECUTIVE DRIVE, SUITE 380 WEST ORANGE, NJ 07052 | AETNA LIFE INSURANCE COMPANY | $9K | $49 | $9K | 5.77% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 120 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $625 | — | $625 | 2.02% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENEUE, 5TH FLOOR NEW YORK, NY 10016 | AETNA | $3K | — | $3K | 12.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $286 | $3K | 14.18% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 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 | 405 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 405 | $164K |
| Vision | VISION SERVICE PLAN | 200 | $31K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 405 | $164K |
| Short-term disability | AETNA | 338 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 79 | $23K |
| Other | AETNA LIFE INSURANCE COMPANY | 405 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.