| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | ONE INTERNATIONAL PLAZA, 4TH FLOOR PHILADELPHIA, PA 19113 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $92K | $0 | $92K | 1.03% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $32K | $49K | 11.45% |
| BENE RE LLC3 | 5217 MONROE STREET, SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $13K | $13K | 8.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| ROBERT HESLEP3 Filed as: ROBERT WILDERSPIN | 6364 LONG IVY WAY SUGAR HILL, GA 30518 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER INSURANCE | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HDI GLOBAL SPECIALTY SE | $21K | $0 | $21K | 20.00% |
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 | 783 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 342 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,330 | $9.6M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,330 | $8.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 783 | $431K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 783 | $431K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 783 | $431K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,330 | $9.6M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,261 | $704K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,330 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.