| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $38K | $98K | 10.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $0 | $44K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD BLOOMFIELD, MI 48302 | AETNA LIFE INSURANCE COMPANY | $27K | $0 | $27K | 3.88% |
| CROSS BENEFIT SOLUTIONS3 | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $0 | $23K | 3.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 48302 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $0 | $22K | 3.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 48302 | KAISER FOUNDATION HEALTH PLAN INC | $16K | $0 | $16K | 4.91% |
| USI INSURANCE SERVICES LLC3 | ONE SEAGATE, SUITE 1800 TOLEDO, OH 43604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41K | $0 | $41K | 15.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 30150 TELEGRAPH ROAD, SUITE 408 BINGHAM FARMS, MI 48025 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 3.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2600 SOUTH TELEGRAPH ROAD SUITE 100 BLOOMFIELD, MI 48302 | AVMED HEALTH PLANS | $7K | $0 | $7K | 4.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HEALTH NET | $5K | $0 | $5K | 3.11% |
| MATLES AND ASSOCIATES INC.3 | 1601 EAST LINCOLN AVENUE, SUITE 101 ORANGE, CA 92865 | HEALTH NET | $1K | $0 | $1K | 0.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST | UNKNOWN NOVI, MI 48375 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 3,238 | 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) | 3,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 172 | $2.0M |
| Vision | VISION SERVICE PLAN | 958 | $234K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,238 | $920K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,238 | $920K |
| Prescription drug(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 172 | $2.0M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 3,238 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,238 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.