| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 5.63% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 9.18% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.23% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 10.07% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST NINTH STE 3800 CLEVELAND, OH 44114 | UNIM LIFE INSURANCE COMPANY OF AMERICA | $2K | $20 | $2K | 10.30% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | UNIM LIFE INSURANCE COMPANY OF AMERICA | $933 | — | $933 | 4.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 26466 | UNIM LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.23% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 9.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | VISION SERVICE PLAN | $748 | — | $748 | 5.89% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $902 | $902 | 9.44% |
| USI INSURANCE SERVICES LLC3 | 1301 EAST NINTH STE 3800 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 12.52% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 3500 WOODRIDGE RD CLEVELAND HEIGHTS, OH 44121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $212 | — | $212 | 2.52% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVE STE 1200 CLEVELAND, OH 44114 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $478 | — | $478 | 15.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 234662889 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $421 | $421 | 13.22% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $721K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $25K |
| Vision | VISION SERVICE PLAN | 69 | $13K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $69K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $13K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.