| 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 BCBSD, INC. | $123K | — | $123K | 3.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ONE HILLCREST DRIVE EAST CHARLESTON, WV 25311 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $27 | $13K | 5.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2045 14TH AVE. VERO BEACH, FL 329603441 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $27 | $5K | 2.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDATLANTIC, INC. | 1 INTERNATIONAL PLZ. STE.400 PHILADELPHIA, PA 191131535 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.48% |
| ERC OF NEW YORK3 | 261 MADISON AVENUE NEW YORK, NY 10016 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $13K | $21K | 34.16% |
| DEIRDRE B HOEHN3 Filed as: DEIRDRE B. HOEHN | 30885 FRESH POND WAY OCEAN VIEW, DE 19970 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $639 | $6K | 10.52% |
| KEVIN O'NEILL3 Filed as: KEVIN ONEILL | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $189 | $531 | 0.87% |
| ONEILL CONSULTING CORP3 Filed as: ONEILL VOLUNTARY BENEFIT SERVICES | 5626 KIRKWOOD HWY. WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $239 | $14 | $253 | 0.41% |
| KIMBERLY FERGUSON3 | 4059 LOMAR DRIVE MT AIRY, MD 21771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $187 | $55 | $242 | 0.40% |
| TERESA D'ASCOLI3 Filed as: TERESA DASCOLI | 16905 VINE COURT OLNEY, MD 20832 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $199 | — | $199 | 0.33% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.20% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BCBSD, INC. | 397 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $236K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $236K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $236K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $236K |
| Prescription drug | HIGHMARK BCBSD, INC. | 397 | $3.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.