| 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 | $274K | $0 | $274K | 6.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $139K | $139K | 3.10% |
| JOSEPH P CALARCO3 Filed as: JOSEPH S. ELLIS JR. | UNKNOWN SARASOTA, FL 34240 | HARVARD PILGRIM HEALTH CARE | $7K | $0 | $7K | 0.99% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $15K | $0 | $15K | 5.47% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.42% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $85 | $0 | $85 | 9.88% |
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 | 6,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 219 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE | 157 | $1.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $102K |
| Vision(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE | 157 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,594 | $4.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,594 | $4.5M |
| Prescription drug(4 contracts, 4 carriers) | HARVARD PILGRIM HEALTH CARE | 157 | $1.1M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 10,971 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,971 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.