| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | — | $48K | 10.48% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP, LLC | 34 BAY STREET P.O. BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 5.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.13% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP, LLC | 34 BAY STREET P.O. BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 E MAIN ST. SUITE 1300 NORFOLK, VA 23510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $614 | $4K | 12.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 E MAIN ST. SUITE 1300 NORFOLK, VA 23510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $467 | $3K | 9.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 E MAIN ST. SUITE 1300 NORFOLK, VA 23510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $218 | $1K | 12.39% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $549 | $549 | 4.58% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE 6TH FLOOR NEW YORK, NY 10016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $203 | $25 | $228 | 11.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 E MAIN ST. SUITE 1300 NORFOLK, VA 23510 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $199 | $33 | $232 | 12.82% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $83 | $83 | 4.59% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $463K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $83K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $83K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $33K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 165 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.