| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $116K | $0 | $116K | 4.04% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | ONE STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69K | $0 | $69K | 2.42% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | ONE STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | RELIASTAR LIFE INSURANCE COMPANY | $131K | $0 | $131K | 28.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.37% |
| CLEARVIEW GROUP3 | UNKNOWN MOORESVILLE, NC 28117 | EYEMED VISION CARE | $12K | $0 | $12K | 5.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $8K | $0 | $8K | 4.16% |
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 | 3,126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,126 | $2.9M |
| Vision | EYEMED VISION CARE | 4,189 | $200K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,126 | $2.9M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,126 | $2.9M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,126 | $2.9M |
| Prescription drug | PARTNERS RX MANAGEMENT, LLC | 3,126 | $240K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,126 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,189 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.