| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | — | $32K | 10.98% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 5.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $909 | $218 | $1K | 8.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $600 | $600 | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $161 | — | $161 | 1.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EAST REGION A MARSH & MCLENNAN | TRION GROUP KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24 | — | $24 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SUPERIOR VISION PLAN OF TEXAS | $359 | — | $359 | 5.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 848315 DALLAS, TX 75284 | SUPERIOR VISION PLAN OF TEXAS | $321 | — | $321 | 5.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $108 | $43 | $151 | 7.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $92 | $92 | 4.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19 | — | $19 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EAST REGION A MARSH & MCLENNAN | TRION GROUP KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4 | — | $4 | 0.20% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $289K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $289K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $295K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 80 | $15K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $289K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 80 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.