| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $128K | $128K | 2.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 6.41% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $0 | $6K | $6K | 1.89% |
| GIBRAN ISSA3 | 228 BANGOR AVENUE SAN JOSE, CA 95123 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 0.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $0 | $12K | 3.96% |
| GABRIEL N. ISSA3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $406 | $0 | $406 | 4.91% |
| CHRISTOPHER RADDIE3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $174 | $0 | $174 | 2.10% |
| ROBERT B. FAKHIMI3 | 4140 ARBOLADO DRIVE WALNUT CREEK, CA 94598 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $83 | $0 | $83 | 1.00% |
| GREGORY L. COHN3 | 6701 KOLL CENTER PARKWAY, SUITE 140 PLEASANTON, CA 94566 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $82 | $0 | $82 | 0.99% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 530 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $304K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 343 | $304K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 429 | $336K |
| Short-term disability | STANDARD INSURANCE COMPANY | 429 | $328K |
| Long-term disability | STANDARD INSURANCE COMPANY | 429 | $328K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 530 | $5.2M |
| Other | STANDARD INSURANCE COMPANY | 429 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.