| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $2K | $369 | $2K | 3.49% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $947 | $2K | 3.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $756 | $3K | 9.76% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.10% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CAPITAL INC. DBA A | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $296 | $0 | $296 | 2.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $291 | $0 | $291 | 2.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $699 | $233 | $932 | 11.69% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $497 | $0 | $497 | 6.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASSURED PARTNERS (CENTRAL PA) EIN 30-0837157 BROKER | Insurance agents and brokers Service code 22 | — | $25K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $20K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $7K |
| HIGHMARK BLUE SHIELD (CENTRAL) EIN 23-1294723 CARRIER | Claims processing Service code 12 | — | -$30K |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 158 | $64K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 149 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $29K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 90 | $304K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.