| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC | 300 EAST 2ND STREET, SUITE 1300 RENO, CA 89501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.26% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS. | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94403 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 4.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 100 SUMMIT DRIVE, SUITE 400 VALHALLA, NY 10595 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.63% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC | 300 EAST 2ND STREET, SUITE 1300 RENO, NV 89501 | KAISER FOUNDATION HEALTH PLAN INC | $1K | $0 | $1K | 3.02% |
| AMWINS3 Filed as: LISI INC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94403 | KAISER FOUNDATION HEALTH PLAN INC | $801 | $0 | $801 | 2.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $534 | $0 | $534 | 1.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $6 | $6 | 0.02% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC | 300 EAST 2ND STREET, SUITE 1300 RENO, VA 89501 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $389 | $0 | $389 | 2.58% |
| LP INSURANCE SERVICES, INC.3 Filed as: LP INSURANCE SERVICES INC | 300 EAST 2ND STREET, SUITE 1300 RENO, VA 89501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $751 | $0 | $751 | 6.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $351 | $0 | $351 | 3.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $77 | $77 | 0.70% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 6 | $35K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $91K |
| Vision | VISION SERVICE PLAN | 101 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $11K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 6 | $35K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.