| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $222K | $0 | $222K | 5.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $40K | $40K | 0.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICERS LLC | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $764 | $0 | $764 | 0.02% |
| JOSEPH P CALARCO3 Filed as: JOSEPH S. ELLIS, JR. | UNKNOWN SARASOTA, FL 34240 | HARVARD PILGRIM HEALTH CARE | $25K | $0 | $25K | 1.35% |
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 4.54% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.48% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $177 | $0 | $177 | 11.52% |
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 | 9,713 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HARVARD PILGRIM HEALTH CARE | 163 | $3.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $171K |
| Vision(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE | 163 | $2.4M |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,393 | $4.5M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,393 | $4.3M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,393 | $4.3M |
| Prescription drug(5 contracts, 5 carriers) | HARVARD PILGRIM HEALTH CARE | 163 | $3.2M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,393 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,393 | — |
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.