| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $10K | $4K | $14K | 6.72% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $11K | $0 | $11K | 5.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $8K | $3K | $11K | 6.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $9K | $0 | $9K | 5.12% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203312 VIRGINIA BEACH, VA 234662817 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $5K | $0 | $5K | 7.98% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $3K | $0 | $3K | 4.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $4K | $0 | $4K | 7.82% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 1200 MAIN ST SUITE 2310 KANSAS CITY, MO 64105 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $2K | $0 | $2K | 4.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | PO BOX 62817 VIRGINIA BEACH, VA 23466 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | $874 | $3K | 6.92% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES 784898 | 80 S 8TH ST SUITE 700 MINNEAPOLIS, MN 55402 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | $0 | $2K | 5.11% |
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 | 1,042 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,042 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 600 | $71K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,675 | $166K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 1,018 | $203K |
| Other(3 contracts, 2 carriers) | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | 1,391 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,675 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.