| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: ERC-USI COLBURN INS. SERVICES | 400 POST AVENUE WESTBURY, NY 11590 | HEALTHAMERICA OF PENNSYLVANIA, INC. | $27K | — | $27K | 2.75% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 630 WEST GERMANTOWN PIKE SUITE 200 PLYMOUTH MEETING, PA 19462 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23456 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUTIE 300 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY, SUITE 300 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $403 | — | $403 | 0.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 NE 3RD AVENUE, SUITE 610 FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE COMPANY | — | $92 | $92 | 0.14% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHAMERICA OF PENNSYLVANIA, INC. | 256 | $999K |
| Dental | AETNA LIFE INSURANCE COMPANY | 152 | $65K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 152 | $65K |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 152 | $65K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 152 | $65K |
| Prescription drug | HEALTHAMERICA OF PENNSYLVANIA, INC. | 256 | $999K |
| Other | AETNA LIFE INSURANCE COMPANY | 152 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.