| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $0 | $20K | 1.85% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING #900 INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | MIDATLANTIC PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $17K | 9.52% |
| UNKNOWN3 | UNKNOWN WARRENDALE, PA 15086 | TELEDOC HEALTH, INC | $2K | $0 | $2K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $491 | $7K | 48.36% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $535 | $0 | $535 | 3.97% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W. MONROE STREET SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $396 | $396 | 2.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $326 | $9K | 97.57% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W. MONROE ST SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $435 | $435 | 4.89% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $254 | $0 | $254 | 2.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $339 | $8K | 96.95% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W MONROE ST SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $414 | $414 | 5.11% |
| ENROLLEASE3 Filed as: FIRST PERSON, INC | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $176 | $0 | $176 | 2.17% |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 207 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 207 | $1.1M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $181K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $181K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $181K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 207 | $1.1M |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.