| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1007 N ORANGE ST # 1115 WILMINGTON, DE 19801 | AETNA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.23% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1007 N ORANGE ST # 1115 WILMINGTON, DE 19801 | AETNA LIFE INSURANCE COMPANY | $0 | $200 | $200 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY W STE 300 BLUE BELL, PA 19422 | HARTFORD LIFE AND ACCIDENT | $7K | $140 | $7K | 8.92% |
| O'NEILL VOLUNTARY BENEFIT SERVICES3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $553 | $3K | 7.83% |
| NICHOLAS CUSMANO3 | 79 PORT HERMAN RD CHESAPEAKE CY, MD 21915 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $132 | $2K | 3.90% |
| USI INSURANCE SERVICES LLC3 | 1007 NORTH ORAGNGE STREET WILMINGTON, DE 19801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $764 | $2 | $766 | 1.91% |
| CHESAPEAKE INSURANCE ADVISORS3 | 10 CORPORATE CIR STE 215 NEW CASTLE, DE 19720 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $455 | — | $455 | 1.13% |
| ROTH VOLUNTARY BENEFIT SERVICES INC3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.10% |
| LISA A PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| MICHAEL J PERRI3 | 775 ROUTE 70 EAST MARLTON, NJ 08053 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 348 | $2.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 348 | $2.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 348 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 331 | $119K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 331 | $79K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 331 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.