| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $108K | $108K | 0.87% |
| USI INSURANCE SERVICES LLC3 | 855 BOYLSTON STREET, 8TH FLOOR BOSTON, MA 02116 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $20K | $20K | 2.99% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | UNUM INSURANCE COMPANY | $46K | $5K | $51K | 23.96% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM INSURANCE COMPANY | $3K | $486 | $4K | 1.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20874 | UNUM INSURANCE COMPANY | $967 | $94 | $1K | 0.49% |
| USI INSURANCE SERVICES LLC3 | 855 BOYLSTON STREET, 8TH FLOOR BOSTON, MA 02116 | UNUM INSURANCE COMPANY | $0 | $851 | $851 | 0.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 5.48% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $230 | $0 | $230 | 17.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20874 | FIRST UNUM LIFE INSURANCE COMPANY | $69 | $0 | $69 | 5.15% |
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 | 1,728 | 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) | 1,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,474 | $12.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,474 | $12.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,474 | $12.4M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,488 | $660K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,488 | $658K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,488 | $658K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,474 | $12.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,488 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,474 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.