| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10565 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $24K | — | $24K | 1.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | MARSH MCLENNAN AGENCY LLC SADDLEBROOKE, NJ 07663 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 15.04% |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541360000 | WYSSTA INSURANCE COMPANY, INC. | $936 | — | $936 | 7.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 234662817 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $388 | $3K | — |
| USI INSURANCE SERVICES LLC3 | 711 EISENHOWER DR KIMBERLY, WI 541360000 | PRINCIPAL LIFE INSURANCE COMPANY | $332 | — | $332 | — |
| USI INSURANCE SERVICES LLC3 | 800 NORMAN CENTER DR STE 400 BLOOMINGTON, MN 554371184 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | — |
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 | 240 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 223 | $1.7M |
| Vision | WYSSTA INSURANCE COMPANY, INC. | 98 | $12K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 240 | $47K |
| Short-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 76 | $0 |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 76 | $0 |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 223 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.