| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD SOUTH PORTLAND, ME 04106 | AETNA LIFE INSURANCE CO. | $24K | $200 | $24K | 1.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 11.06% |
| EMPLOYER ADVOCATES LLC3 | PO BOX 269031 OKLAHOMA CITY, OK 73126 | HARTFORD LIFE AND ACCIDENT | $118 | $0 | $118 | 0.08% |
| USI INSURANCE SERVICES LLC3 | 3 EXECUTIVE PARK DRIVE, SUITE 300 BEDFORD, NH 03110 | DELTA DENTAL OF OKLAHOMA | $8K | $0 | $8K | 12.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $679 | $0 | $679 | 6.11% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 472 | $1.5M |
| Dental | DELTA DENTAL OF OKLAHOMA | 197 | $66K |
| Vision | VISION SERVICE PLAN | 195 | $11K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 220 | $141K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 220 | $141K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 220 | $141K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 472 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 220 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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."
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.