| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $92K | $92K | 2.79% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE MERIDEN, CT 06450 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 3.08% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 29.07% |
| BRIAN W PATTEN3 Filed as: BRIAN WILLIAM PATTEN | 121 BUCKTHORN ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 8.66% |
| JOSHUA E MARMOR3 Filed as: JOSHUA E. MARMOR AND OTHER AGENTS | 34 HARWOOD ROAD NATICK, MA 01760 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.84% |
| RYAN JAMES CLEPPER3 | 124 EDGELL STREET GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| DANIEL C HARRIS3 Filed as: DANIEL C. HARRIS | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.08% |
| BENEDIKT N MASON3 Filed as: BENEDIKT NICHOLAS MASON | 17 LITTLE BEAR HILL ROAD WESTFORD, MA 01886 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.43% |
| GERRELL D. SMITH3 | 42 ROCKY POND ROAD BROOKLINE, NH 03033 | CONTINENTAL AMERICAN INSURANCE COMPANY | $992 | $0 | $992 | 1.79% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 451 | $3.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 760 | $321K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 760 | $321K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $256K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $201K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $201K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 451 | $3.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.