| 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 | $64K | $66K | 2.85% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE SUITE 1401 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 6.09% |
| ROBERT REERS3 | 39 FOREST ROAD GLEN ROCK, NJ 07452 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N. PALM AVE. SUITE 114 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| ISADORE BASEMAN3 | 1787 SENTRY PKWY W SUITE 3200 BLUEBELL, PA 19422 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.76% |
| USI INSURANCE SERVICES LLC3 | 201 ALHAMBRA CIRCLE STE. 1401 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 39.60% |
| ROBERT REERS3 | 39 FOREST ROAD GLEN ROCK, NJ 07452 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 32.73% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N. PALM AVE. STE 114 FRESNO, CA 93704 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 15.77% |
| ISADORE BASEMAN3 | 1787 SENTRY PKWY W STE. 320 BLUEBELL, PA 19422 | STANDARD INSURANCE COMPANY | $998 | $0 | $998 | 11.89% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 332 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 332 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 332 | $2.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 107 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 107 | $8K |
| Other | STANDARD INSURANCE COMPANY | 107 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
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.