| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $135K | $149K | 2.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $16K | $16K | 0.28% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $0 | $30K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.14% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.84% |
| GABRIEL N. ISSA3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $804 | $0 | $804 | 3.06% |
| CHRISTOPHER RADDIE3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $345 | $0 | $345 | 1.31% |
| GREGORY L. COHN3 | 6701 KOLL CENTER PARKWAY, SUITE 140 PLEASANTON, CA 94566 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $163 | $0 | $163 | 0.62% |
| ROBERT B. FAKHIMI3 | 4140 ARBOLADO DRIVE WALNUT CREEK, CA 94598 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $110 | $0 | $110 | 0.42% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 913 | $5.6M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 913 | $5.6M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 913 | $5.6M |
| Life insurance(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 413 | $237K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 413 | $200K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 413 | $200K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 913 | $5.6M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 413 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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."
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.