| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $62K | $62K | 1.00% |
| USI INSURANCE SERVICES LLC3 | 2400 E COMMERCIAL BLVD STE 600 FT. LAUDERDALE, FL 333084050 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | $201 | $39K | 0.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 100 MONTGOMERY ST STE 2000 SAN FRANCISCO, CA 941044348 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 0.31% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.23% |
| USI INSURANCE SERVICES LLC3 | 2400 E COMMERCIAL BLVD STE 600 FT. LAUDERDALE, FL 33308 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $74K | — | $74K | 13.84% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD SUITE 1400 CHARLOTTE, NC 28210 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $34K | $34K | 6.29% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS ISNURANCE CENTER | 350 HUDSON ST 4TH FLOOR NEW YORK, NY 10014 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 1.20% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | — | $11K | 7.59% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | — | $6K | 3.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURNACE CENTER | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 1.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $598 | — | $598 | 0.40% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.54% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 3.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $471 | — | $471 | 1.11% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $188 | — | $188 | 0.44% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $853 | — | $853 | 7.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | 100 SUMMIT LAKE DR STE 400 VALHALLA, NY 10595 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $425 | — | $425 | 3.73% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS 8TH FLOOR NEW YORK, NY 10036 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $144 | — | $144 | 1.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $57 | — | $57 | 0.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 234662689 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $374 | $52 | $426 | — |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 234662689 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $734 | $8K | — |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | — |
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 | 688 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 339 | $6.5M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 339 | $6.3M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 339 | $6.3M |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 688 | $533K |
| Short-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 688 | $533K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 688 | $533K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 339 | $6.3M |
| Other | RELIANCESTANDARD LIFE INSURANCE COMPANY | 688 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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.