| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIDGESTREET CONSULTING & INSURANCE3 Filed as: BRIDGESTREET CONSULTING AND INS. | 1350 TREAT BOULEVARD, SUITE 500 WALNUT CREEK, CA 94597 | SECURIAN LIFE INSURANCE COMPANY | $170K | $0 | $170K | 6.00% |
| JOSEPH P CALARCO3 Filed as: JOSEPH S. ELLIS, JR. | UNKNOWN SARASOTA, FL 34240 | HARVARD PILGRIM HEALTH CARE | $38K | $0 | $38K | 2.00% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE | $110K | $0 | $110K | 10.08% |
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $52K | $0 | $52K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $5K | $5K | 0.51% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $25K | $0 | $25K | 4.97% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.97% |
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 | 10,346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 195 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HARVARD PILGRIM HEALTH CARE | 204 | $4.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE | 66 | $1.1M |
| Vision(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE | 204 | $3.5M |
| Life insurance(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 8,481 | $2.8M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,337 | $1.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,337 | $1.0M |
| Prescription drug(5 contracts, 5 carriers) | HARVARD PILGRIM HEALTH CARE | 204 | $4.4M |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 8,481 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,481 | — |
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."
No prospect flags tripped on this filing.