| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 60178 CHARLOTTE, NC 28260 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $0 | $24K | 4.99% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $0 | $52K | 12.27% |
| USI INSURANCE SERVICES LLC3 | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$2K | $0 | -$2K | -0.37% |
| JAY S KENNEDY3 Filed as: JAY S. KENNEDY | 1111 MILITARY CUTOFF ROAD SUITE 251 WILMINGTON, NC 28405 | NORTHWESTERN MUTUAL | $2K | $5K | $7K | 3.13% |
| BRIAN M. COX3 | 1111 MILITARY CUTOFF ROAD SUITE 251 WILMINGTON, NC 28405 | NORTHWESTERN MUTUAL | $1K | $361 | $2K | 0.85% |
| CAROLINA CONDREY GROUP3 | 1201 EDWARDS MILL ROAD, SUITE 200 RALEIGH, NC 27607 | NORTHWESTERN MUTUAL | $1K | $308 | $2K | 0.77% |
| NM MORRISTOWN NJ3 Filed as: N.M. MORRISTOWN LLC | 10 MADISON AVENUE, SUITE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $208 | $25 | $233 | 0.11% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $221 | $0 | $221 | 20.00% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, SUITE 102 FLORHAM PARK, NJ 07932 | FEDERAL INSURANCE COMPANY | $166 | $0 | $166 | 15.02% |
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 | 1,118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 84 | $490K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,148 | $427K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,148 | $427K |
| Long-term disability | NORTHWESTERN MUTUAL | 1,118 | $211K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 84 | $490K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,148 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,148 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.