| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATINAL | 720 EAST PETE ROSEWAY STE 400 CINCINNATI, OH 45202 | SYMETRA LIFE INSURANCE COMPANY | $180K | — | $180K | 7.84% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW RD., STE 1400 CHARLOTTE, NC 28210 | SYMETRA LIFE INSURANCE COMPANY | $16K | $28K | $44K | 1.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 MATSONFORD RD. 4 RADNOR COPR. CNTR STE 510 RADNOR, PA 19087 | SYMETRA LIFE INSURANCE COMPANY | $34K | — | $34K | 1.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | — | SYMETRA LIFE INSURANCE COMPANY | $0 | $21K | $21K | 0.92% |
| USI INSURANCE SERVICES LLC3 | 720 PETE ROSE WAY SUITE 400 CINCINNATI, OH 45202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117K | — | $117K | 16.35% |
| LLOYD CURTIS RENO3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $830 | — | $830 | 0.12% |
| KEVIN MURPHY3 Filed as: KEVIN SVARDA ENTERPRISES LLC | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $774 | — | $774 | 0.11% |
| IAN B BRANYON3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $347 | — | $347 | 0.05% |
| WILLIAM ROBERTS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $347 | — | $347 | 0.05% |
| KYLE RUSSEY3 Filed as: KYLE D DAFLER | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 INSURANCE PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $138K |
| WELLS FARGO INS SERVIES USA INC EIN 56-1882208 BROKER | Other commissions Service code 55 | — | $70K |
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 | 4,490 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,514 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 3,282 | $388K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 6,144 | $2.3M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 6,144 | $2.3M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 6,144 | $2.3M |
| Other(2 contracts, 2 carriers) | BERKLEY ACCIDENT AND HEALTH | 4,496 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.