| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 PHILADELPHIA PLAZA, 4TH FLOOR PHILADELPHIA, PA 19113 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $8K | $0 | $8K | 0.09% |
| EMERSON REID LLC3 Filed as: EMERSON ROGERES, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BUILDING 16 BLUE BELL, NJ 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $7K | $27K | 5.60% |
| DENNIS MCGEE3 | 3805 WEST CHESTER PIKE, SUITE 200 NEWTOWN SQUARE, PA 19073 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 2.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.00% |
| BENE RE LLC3 Filed as: BENE RE, LLC | 5217 MONROE STREET, SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $13K | $13K | 8.00% |
| ROBERT HESLEP3 Filed as: ROBERT WILDERSPIN | 6364 LONG IVY WAY SUGAR HILL, GA 30518 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, LLC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HDI GLOBAL SPECIALTY SE | $22K | $0 | $22K | 29.55% |
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 | 822 | 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) | 822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,320 | $9.9M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,320 | $9.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 822 | $477K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 822 | $477K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 822 | $477K |
| Prescription drug(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,320 | $9.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,270 | $711K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,320 | — |
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.