| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $136K | $15K | $151K | 12.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE, COURT II SUITE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $0 | $44K | $44K | 3.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NE | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | DELTA DENTAL OF RHODE ISLAND | $10K | $0 | $10K | 1.32% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | $0 | $50K | 34.66% |
| DANIEL C HARRIS3 | 413 OAK RIDGE COURT MARS, PA 16046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 11.41% |
| BRAIN W PATTEN3 Filed as: BRAIN WILLIAM PATTEN | 121 BUCKTHRON ROAD BADEN, PA 15005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 8.87% |
| MS BENEFITS3 | 100 CHALLENGER ROAD, SUITE 105 RIDGEFIELD PARK, NJ 07660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 5.44% |
| MICHAEL S CLISE3 | 361 LITTLE CREEK ROAD HARMONY, PA 16037 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.31% |
| DIANNE M MACINNIS3 | 14 NEAL ROAD DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.73% |
| TINA WAY3 Filed as: TINA M KANE | 15 BOW ROAD WAYLAND, MA 01778 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.16% |
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 | 2,124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF RHODE ISLAND | 1,547 | $784K |
| Vision | VISION SERVICE PLAN | 1,085 | $133K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,895 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,895 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,895 | $1.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,895 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,895 | — |
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.