| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BREWER ASSOCIATES INC3 Filed as: BREWER ASSOCIATES, INC. | 1200 PHILADELPHIA PIKE, 2ND FLOOR WILMINGTON, DE 19809 | HIGHMARK DELAWARE - BLUE CROSS BLUE SHIELD | $68K | — | $68K | 3.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDADLANTIC INC | 1787 SENTRY PWKY W VERA 16 STE 300 BLUE BELL, PA 19422 | HIGHMARK DELAWARE - BLUE CROSS BLUE SHIELD | $5K | — | $5K | 0.28% |
| THE BREWER ASSOCIATES INC3 | 1200 PHILADELPHIA PIKE, 2ND FLOOR WILMINGTON, DE 19809 | DOMINION NATIONAL | $15K | — | $15K | 9.14% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PWKY W VERA 16 STE 300 BLUE BELL, PA 19422 | DOMINION NATIONAL | $998 | — | $998 | 0.61% |
| THE BREWER ASSOCIATES INC3 | 1200 PHILADELPHIA PIKE, 2ND FLOOR WILMINGTON, DE 19809 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 11.87% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC ATTN MID | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $796 | — | $796 | 0.52% |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE - BLUE CROSS BLUE SHIELD | 434 | $1.9M |
| Dental | DOMINION NATIONAL | 341 | $163K |
| Vision | DOMINION NATIONAL | 341 | $163K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 509 | $154K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 509 | $154K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 509 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.