| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 3.18% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE SVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 1.03% |
| AMWINS3 Filed as: LISI INSURANCE SERVICES, LLC | 3190 FAIRVIEW PARK DR, #400 FALLS CHURCH, VA 22042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $694 | $4K | 8.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC | PO BOX 61007 VIRIGINIA BEACH, VA 22466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $193 | $64 | $257 | 0.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC. | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $106 | $1K | 21.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTEGRATED HR SOLUTIONS, LLC EIN 20-2249765 NONE | Contract Administrator Service code 13 | 2901 CORPORATE CIRCLE 100 FLOWER MOUND, TX 75028 | $28K |
| INDEPENDENT FIDUCIARY SERVICES, LLC EIN 82-2870895 TRUSTEE | Trustee (directed) Service code 25 | 8460 TYCO ROAD, SUITE E VIENNA, VA 22182 | $24K |
| RUBINO & COMPANY CHARTERED EIN 52-1186096 AUDITOR | Accounting (including auditing) Service code 10 | 6903 ROCKLEDGE DRIVE, SUITE 1200 BETHESDA, MD 20817 | $17K |
| BENEFITS CONSULTING GROUP EIN 72-2660473 NONE | Participant communication; Contract Administrator Service code 13 | 2901 CORPORATE CIRCLE 100 FLOWER MOUND, TX 75028 | $6K |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $547K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $547K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $547K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $55K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $547K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $547K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.