| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $71K | $0 | $71K | 17.40% |
| ACRISURE LLC3 | 2150 SOUTH CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, VA 75070 | RELIASTAR LIFE INSURANCE COMPANY | $57K | $0 | $57K | 13.81% |
| ACRISURE LLC3 | 2150 SOUTH CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, TX 75070 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $7K | $27K | 9.42% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 7.80% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.00% |
| ACRISURE LLC3 | 2150 SOUTH CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, VA 75070 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VI, VA 23466 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.59% |
| ACRISURE LLC3 | 2150 SOUTH CENTRAL EXPRESSWAY SUITE 280 MCKINNEY, NY 75070 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $885 | $0 | $885 | 13.21% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $334 | $0 | $334 | 4.99% |
| ACRISURE LLC3 | 14 EAST WELSH ROAD EXTON, PA 19064 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $77 | $0 | $77 | 1.15% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE LOOMIS COMPANY CLAIMS PROCESSING | Claims processing Service code 12 | 850 NORTH PARK ROAD WYOMISSING, PA 19610 | $289K |
| MERITAIN EIN 16-1264154 CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | — | $189K |
| GDP ADVISORS LLC EIN 46-3749464 BROKER | Insurance agents and brokers Service code 22 | — | $177K |
| MY WORK PLACE EIN 83-3465321 CLAIMS PROCESSING | Claims processing Service code 12 | — | $123K |
| MGU UNDERWRITING EIN 26-6943343 CLAIMS PROCESSING | Claims processing Service code 12 | — | $105K |
| FIRST HEALTH GROUP CORPORATION EIN 73-1590333 CLAIMS PROCESSING | Claims processing Service code 12 | — | $67K |
| TELADOC EIN 04-3705970 CONTRACT ADMINSTRATOR | Contract Administrator Service code 13 | — | $54K |
| USI INSURANCE SERVICES EIN 13-3771734 BROKER | Insurance agents and brokers Service code 22 | — | $43K |
| NEW BENEFITS, LTD. CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 14240 PROTON ROAD DALLAS, TX 75244 | $0 |
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 | 2,662 | 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) | 2,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBAL LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $7K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $289K |
| Vision | VISION SERVICE PLAN | 157 | $46K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $289K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $289K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $289K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,271 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.