| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4456 CORP LANE, SUITE 350 PO BOX 61007 VIRGINIA BEACH, VA 23462 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $71K | $71K | 3.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $42K | $237 | $42K | 15.09% |
| USI INSURANCE SERVICES LLC3 | 4456 CORP LANE, SUITE 350 PO BOX 61007 VIRGINIA BEACH, VA 23462 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $0 | $13K | 5.95% |
| USI INSURANCE SERVICES LLC3 | 222 DELAWARE AVENUE, SUITE 1000 WILMINGTON, DE 19801 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 10.60% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | STANDARD INSURANCE COMPANY | $0 | $763 | $763 | 2.69% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $223K |
| Vision | STANDARD INSURANCE COMPANY | 184 | $28K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 262 | $277K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 262 | $277K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 262 | $277K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 265 | $2.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 262 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.