| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16, SUITE 300 BLUE BELL, PA 19422 | HIGHMARK INC. | $52K | — | $52K | 3.99% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 8.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $3K | $580 | $3K | 17.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | VISION SERVICE PLAN | $849 | — | $849 | 6.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $1K | $238 | $1K | 14.34% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK ALERA GROUP | 1041 OLD CASSATT RD BERWYN, PA 19312 | STANDARD INSURANCE COMPANY | $905 | — | $905 | 9.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $1K | $355 | $1K | 16.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $873 | $304 | $1K | 17.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1007 NORTH ORANGE STREET WILMINGTON, DE 19709 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 1.25% |
| KULIKAUSKAS JANE3 | 3022 NESCO RD HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.50% |
| WIESMORE GREGORY3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.50% |
| PETERSON DOUGLAS C3 | 598 RIVERWOOD AVE PT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.50% |
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 | 82 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 158 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 73 | $59K |
| Vision | VISION SERVICE PLAN | 67 | $13K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 90 | $15K |
| Short-term disability | STANDARD INSURANCE COMPANY | 30 | $7K |
| Long-term disability | STANDARD INSURANCE COMPANY | 90 | $19K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 90 | $25K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.