| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANCIS AIOSA3 | 725 RXR PLAZA UNIONDALE, NY 11556 | BLUE CROSS BLUE SHIELD OF TENNESSEE | $80K | $0 | $80K | 2.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $5K | $12K | 5.22% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $9K | $9K | 3.94% |
| USI INSURANCE SERVICES LLC3 | 757 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | COMPANION LIFE INSURANCE COMPANY | $26K | $0 | $26K | 11.54% |
| GROUP INSURANCE SERVICES INC3 | ONE CAMERON PARKWAY CHATTANOOGA, TN 37402 | COMPANION LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.77% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA UNIONDALE, NY 11556 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 5.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC | 32110 AGIURA ROAD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 2.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $425 | $6 | $431 | 1.41% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIRO AVENUE E, SUITE 1500 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91 | $0 | $91 | 0.30% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIRO AVENUE E, SUITE 1500 CLEVELAND, OH 44114 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $0 | $240 | 3.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.05% |
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 | 397 | 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) | 397 | 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 | 762 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 397 | $234K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 397 | $234K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 425 | $232K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 425 | $225K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 425 | $225K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE | 762 | $4.1M |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 425 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 762 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.