| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANCIS AIOSA3 | 725 RXP PLAZA EAST TOWER UNIONDALE, NY 11556 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $7K | $0 | $7K | 0.18% |
| USI INSURANCE SERVICES LLC3 | 725 RXP PLAZA EAST TOWER UNIONDALE, NY 11556 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $9K | $72K | 11.04% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS., INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC. | $9K | $0 | $9K | 3.16% |
| USI INSURANCE SERVICES LLC3 | 725 RXP PLAZA EAST TOWER UNIONDALE, NY 11556 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | $0 | $8K | 2.58% |
| INTELLIBENEFITS INSURANCE SERVICES3 Filed as: INTELLIBENEFITS INS. SVCS., INC. | 2522 CHAMBERS ROAD, SUITE 121 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | $0 | $7K | 2.35% |
| USI INSURANCE SERVICES LLC3 | 725 RXP PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.42% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $401 | $0 | $401 | 0.80% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE EAST SUITE 1500 CLEVELAND, NY 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $368 | $0 | $368 | 4.64% |
| USI INSURANCE SERVICES LLC3 | 725 RXP PLAZA EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44 | $3 | $47 | 0.59% |
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 | 554 | 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) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 923 | $4.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 874 | $649K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 874 | $649K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 874 | $657K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 874 | $649K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 874 | $649K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 923 | $4.3M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 874 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.