| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $41K | $41K | 2.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICS LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 4.50% |
| BENEFIT SERVICE INTEGRATION INC3 | 1312 W MAIN STREET SALEM, VA 24153 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $790 | — | $790 | 0.44% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE FL 1 FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.45% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | 303 E BURWELL ST SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC- MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| BENEFIT SERVICE INTEGRATION INC3 | 320 WILDWOOD RD SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $620 | — | $620 | 0.81% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE FL 1 FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.46% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | 303 E BURWELL ST SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC- MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.74% |
| BENEFIT SERVICE INTEGRATION INC3 | 320 WILDWOOD RD SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $489 | — | $489 | 0.79% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE FL 1 FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.43% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | 303 E BURWELL ST SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC- MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $807 | — | $807 | 1.73% |
| BENEFIT SERVICE INTEGRATION INC3 | 320 WILDWOOD RD SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $391 | — | $391 | 0.84% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.88% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $558 | — | $558 | 1.54% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | 303 EAST BURWELL STREET SALEM, VA 24153 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $533 | — | $533 | 1.47% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE FL 1 FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.59% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 E BURWELL ST SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $776 | $776 | 3.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC- MIDATLANTIC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $362 | — | $362 | 1.62% |
| BENEFIT SERVICE INTEGRATION INC3 | 320 WILDWOOD RD SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $179 | — | $179 | 0.80% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 288 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 283 | $179K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 539 | $36K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $77K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 339 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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.
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.