| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $65K | $67K | 2.99% |
| USI INSURANCE SERVICES LLC Filed as: USI IN | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG. 16, STE. 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 4.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC. | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 3.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $633 | $633 | 1.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $8K | 18.35% |
| EMERSON REID LLC | 1787 SENTRY PKWY W VEVA BLDG. 16, STE. 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.22% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SERVICES LL | P. O. BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $281 | $281 | 0.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC MIDSOUTH | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $8K | 17.48% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG. 16, STE. 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$18 | $424 | $406 | 4.91% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC MIDSOUTH | P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $274 | $157 | $431 | 15.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS | 1901 ROXBOROUGH RD. STE 300 CHARLOTTE, NC 28211 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $129 | $129 | 15.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | P.O. BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $73 | $73 | 8.59% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | — |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LL | MIDSOUTH P.O. BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $345 | $345 | — |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $2.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $58K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 174 | $45K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.