| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE | $4K | $53K | $57K | 2.09% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD SUITE 1200 HUNT VALLEY, MD 21065 | UNITEDHEALTHCARE | — | $2K | $2K | 0.07% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 5.28% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 22042 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.82% |
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 | 265 | 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) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE | 623 | $2.7M |
| Dental | UNITEDHEALTHCARE | 623 | $2.7M |
| Vision | VISION SERVICE PLAN | 227 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 265 | $179K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 265 | $179K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 265 | $179K |
| Prescription drug | UNITEDHEALTHCARE | 623 | $2.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 265 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.