| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SERVICE INTEGRATION INC3 | 1312 WEST MAIN STREET SALEM, VI 24153 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $61K | $61K | 3.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$193 | -$193 | -0.01% |
| BENEFIT SERVICE INTEGRATION INC3 | 1312 WEST MAIN STREET SALEM, VA 24153 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $851 | $10K | 5.40% |
| BENEFIT SERVICE INTEGRATION INC3 | 1312 WEST MAIN STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| BENEFIT SERVICE INTEGRATION INC3 | 1312 WEST MAIN STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| BENEFIT SERVICE INTEGRATION INC3 | 1312 WEST MAIN STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC | 1312 WEST MAIN STREET SALEM, VI 24153 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.41% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION, INC | 320 WILDWOOD ROAD SALEM, VA 24153 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $972 | — | $972 | 2.40% |
| BENEFIT SERVICE INTEGRATION INC3 | 1312 WEST MAIN STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 271 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 283 | $184K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 546 | $41K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $63K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 315 | $87K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 316 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.