| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $120K | $132K | 3.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $60K | $66K | 1.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $5K | $11K | 17.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO | 30 BROAD ST FL 35 NEW YORK, NY 10004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.07% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 17.52% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO | 30 BROAD ST FL 35 NEW YORK, NY 10004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.06% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $703 | $703 | 1.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 17.60% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO | 30 BROAD ST FL 35 NEW YORK, NY 10004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.07% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $678 | $678 | 1.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $2K | 18.53% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC DBA BRIO | 30 BROAD ST FL 35 NEW YORK, NY 10004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $677 | $0 | $677 | 5.27% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $226 | $226 | 1.76% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $3.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $3.8M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $40K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.