| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY (GO262) | $299K | $11K | $310K | 12.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY (G1400) | $35K | $9K | $44K | 3.41% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62949 VIRGINIA BEACH, VA 234662949 | KAISER FOUNDATION HEALTH PLAN INC | $10K | $3K | $13K | 0.99% |
| THE CORNERSTONE INSURANCE GROUP LLC | 721 EMERSON RD STE 500 ST. LOUIS, MO 631416757 | KAISER FOUNDATION HEALTH PLAN INC | -$73 | — | -$73 | -0.01% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCES LLC | 308 NORTH 21 STREET ST. LOUIS, MO 63103 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 1.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BO BOX 62949 VIRGINIA BEACH, VA 234662949 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 0.86% |
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 | 11,855 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY (GO262) | 11,614 | $7.3M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY (GO262) | 11,614 | $2.5M |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY (GO262) | 11,614 | $2.5M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY (G1400) | 13,380 | $1.3M |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY (G1400) | 13,380 | $1.3M |
| Other | ANTHEM LIFE INSURANCE COMPANY (G1400) | 13,380 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,380 | — |
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.