| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN BATTLE CREEK, MI 49037 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $0 | $32K | 3.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 2.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN BATTLE CREEK, MI 49037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $0 | $39K | 5.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 10.82% |
| MARTHA COLLINS3 | 545 NORTH MOUNTAIN AVENUE SUITE 208 UPLAND, CA 91786 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.35% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NC | PO BOX 14946 GREENSBORO, NC 27415 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $13 | $3K | 11.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 6.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | TELEDOC | $2K | $0 | $2K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $653 | $0 | $653 | 14.71% |
| CHRISTOPHER A. BUSSEY3 | 1220 NORTH BOSWORTH AVENUE APARTMENT 201 CHICAGO, IL 60642 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $309 | $0 | $309 | 6.96% |
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 | 1,612 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 49 | $708K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 49 | $718K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 1,715 | $120K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,612 | $850K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 49 | $49K |
| Long-term disability(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,612 | $854K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 49 | $708K |
| Other(6 contracts, 6 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,612 | $920K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,715 | — |
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."
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.