| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $301K | $0 | $301K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $151K | $0 | $151K | 2.01% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL GINO ACETI | 7804 FAIRVIEW ROAD, SUITE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111K | $165K | $276K | 30.96% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $89K | $31K | $120K | 13.42% |
| USI INSURANCE SERVICES LLC3 | 190 RIVER ROAD, SUITE 101 SUMMIT, NJ 07901 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $58K | — | $58K | 14.21% |
| TIMOTHY C. FLANAGAN3 | 4350 CONGRESS STREET, SUITE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 2.41% |
| USI INSURANCE SERVICES LLC3 | 2 CONCOURSE PARKWAY, SUITE 700 ATLANTA, GA 30328 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | — | $9K | 2.16% |
| C M SMITH AGENCY, INC.3 Filed as: CM SMITH FINANCIAL, INC. | 100 PEARL STREET, 3RD FLOOR WEST HARTFORD, CT 06103 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $194 | — | $194 | 0.05% |
| BRENDA C. NAUGHTON3 | 330 WHITNEY AVENUE, SUITE 600 HLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $77 | — | $77 | 0.02% |
| PETER S NOVAK3 Filed as: PETER S. NOVAK | 42 CORD GRASS COURT FERNANDINA BEACH, VA 23466 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| MANUEL AMEZCUA3 | 3000 TOWN CENTER, SUITE 3100 SOUTHFIELD, MI 48075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 9,704 | 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) | 9,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 15,183 | $7.5M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 15,183 | $7.5M |
| Long-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 15,183 | $8.8M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 15,183 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,183 | — |
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.