| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 300 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $96K | $111K | 4.52% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 0.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 0.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ONE HILLCREST DRIVE EAST CHARLESTON, WV 25311 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $27 | $11K | 8.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 6.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2045 14TH AVENUE VERO BEACH, FL 32960 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $27 | $4K | 2.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.62% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ONE INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | METROPOLITAN LIFE INSURANCE COMPANY | $82 | $820 | $902 | 0.65% |
| GEORGE ROSIAK3 | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $193 | — | $193 | 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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $139K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $139K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $139K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $139K |
| 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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.