| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 100 SUMMIT LAKE DRIVE STE 400 VALHALLA, NY 10595 | BCS INSURANCE COMPANY | $16K | $12K | $28K | 7.00% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | BCS INSURANCE COMPANY | $9K | — | $9K | 2.13% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS INC. | 2500 ELMERTON AVE. HARRISBURG, PA 17110 | BCS INSURANCE COMPANY | $7K | — | $7K | 1.87% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2550 BOYCE PLAZA ROAD STE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $3K | $6K | 5.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.64% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2550 BOYCE PLAZA ROAD STE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $5K | 5.48% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.71% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | HM LIFE INSURANCE COMPANY | $617 | — | $617 | 1.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.15% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD STE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $529 | $2K | $2K | 3.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.69% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE, LLC | 2550 BOYCE PLAZA ROAD STE 120 PITTSBURGH, PA 15241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 5.50% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM LIFE INSURANCE COMPANY | 804 | $62K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 660 | $153K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 262 | $107K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 627 | $49K |
| Stop-loss / reinsurancereinsurance | BCS INSURANCE COMPANY | 413 | $401K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 660 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 804 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.