| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.02% |
| JEREMY M EANES3 Filed as: JEREMY M. EANES | 21729 EAST MERCER PLACE AURORA, CO 80018 | CONTINENTAL AMERICAN INSURANCE COMPANY | $890 | — | $890 | 4.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $821 | $0 | $821 | 3.98% |
| GREGORY G WAY3 Filed as: GREGORY GAIL WAY | 1828 SHADOW CREEK DRIVE CASTLE ROCK, CO 80104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 1.05% |
| LINDSAY A LIJEWSKI3 Filed as: LINDSAY A. LIJEWSKI | 5894 EAST CALEY AVENUE CENTENNIAL, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.69% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 192 | $55K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $148K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $148K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.