| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $116K | $126K | 4.12% |
| USI INSURANCE SERVICES LLC7 | P.O. BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $268 | $6K | 10.46% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $301 | $301 | 0.52% |
| USI INSURANCE SERVICES LLC7 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $294 | $4K | 7.64% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $317 | $317 | 0.68% |
| USI INSURANCE SERVICES LLC7 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $242 | $4K | 10.93% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $260 | $260 | 0.69% |
| USI INSURANCE SERVICES LLC7 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $78 | $2K | 10.53% |
| THE JAMES B OSWALD COMPANY7 | 1100 SUPERIOR AVE, STE 1500 CLEVELAND, OH 44114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $99 | $99 | 0.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62683 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO CLAIM ADMIN. | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE RD HARTFORD, CT 06152 | $6K |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $3.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 213 | $3.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $58K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $38K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 240 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.