| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 MID ATLANTIC, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $5K | $5K | 0.10% |
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION, SUITE 350 VIRGINIA BEACH, VA 23462 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 1.79% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 16.85% |
| MID-ATLANTIC HR SOLUTION, INC3 | 1954 GREENSPRING DRIVE, SUITE 640 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$131 | -$131 | -0.20% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 120 HUNT VALLEY, MD 21031 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.64% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 4651 WEST CHESTER PIKE NEWTON SQUARE, PA 19073 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.74% |
| ACRISURE LLC3 | 1260 US HIGHWAY 1 UNIT 201 ROCKLEDGE, FL 32955 | TRANSAMERICA LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.11% |
| EXCELSIOR BENEFITS LLC3 | 441, 2ND STREET EXCELSTOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $23 | $0 | $23 | 0.05% |
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 | 723 | 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) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 304 | $4.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $507K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $507K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $507K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $507K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $507K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 304 | $4.8M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,134 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,134 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.