| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY WEST BUILDING 16, SUITE 300 BLUE BELL, PA 19422 | HIGHMARK | $124K | — | $124K | 4.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ONE INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $24 | $12K | 5.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ONE HILLCREST DRIVE EAST CHARLESTON, WV 25311 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $24 | $5K | 2.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2045 14TH AVENUE VERO BEACH, FL 32960 | METROPOLITAN LIFE INSURANCE COMPANY | $951 | — | $951 | 0.46% |
| ERC OF NEW YORK3 | 261 MADISON AVENUE NEW YORK, NY 10016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $6K | $13K | 20.89% |
| DEIRDRE B HOEHN3 Filed as: DEIRDRE B. HOEHN | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $614 | $5K | 8.58% |
| KEVIN O'NEILL3 Filed as: KEVIN ONEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $479 | $191 | $670 | 1.11% |
| JOHN GRAHAM3 | 2904 CROSSFORK DRIVE WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $456 | — | $456 | 0.76% |
| TERESA D'ASCOLI3 Filed as: TERESA DASCOLI | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $242 | — | $242 | 0.40% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $116 | $7 | $123 | 0.20% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY FERGUSON AND VARIOUS AGENT | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $79 | $29 | $108 | 0.18% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1787 SENTRY PARKWAY WEST, SUITE 300 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $5K | $5 | $5K | 9.68% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 419 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $263K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $207K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $207K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $207K |
| Prescription drug | HIGHMARK | 419 | $3.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.