| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES DBA USI AFFI | ONE INTERNATIONAL PLAZA, 4TH FLOOR PHILADELPHIA, PA 19113 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $38K | — | $38K | 0.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23462 | SUN LIFE INSURANCE COMPANY OF CANADA | $19K | — | $19K | 4.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | ONE INTERNATIONAL PLAZA, 4TH FLOOR PHILADELPHIA, PA 19113 | HM LIFE INSURANCE COMPANY | $844 | — | $844 | 1.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 470 PARK AVE SOUTH, FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | — |
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 | 626 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,243 | $219K |
| Vision | HM LIFE INSURANCE COMPANY | 1,179 | $84K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 980 | $402K |
| Short-term disability | SUN LIFE INSURANCE COMPANY OF CANADA | 980 | $402K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 980 | $402K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 626 | $7.1M |
| Stop-loss / reinsurancereinsurance | SUN LIFE INSURANCE COMPANY OF CANADA | 572 | $687K |
| Other(2 contracts, 2 carriers) | SUN LIFE INSURANCE COMPANY OF CANADA | 980 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,243 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.