| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W. GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK WEST VIRGINIA | $77K | $0 | $77K | 3.09% |
| CHRISTOPHE ALLEN3 | PO BOX 958 PARKERSBURG, WV 26102 | HIGHMARK WEST VIRGINIA | -$312 | $0 | -$312 | -0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 NORFOLK, VA 23466 | CIGNA GROUP INSURANCE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $7K | $0 | $7K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ACCOUNT CENTER PO BOX 3716 NORFOLK, VA 23514 | CIGNA GROUP INSURANCE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $6K | $0 | $6K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 NORFOLK, VA 23466 | CIGNA GROUP INSURANCE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $578 | $0 | $578 | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ACCOUNT CENTER PO BOX 3716 NORFOLK, VA 23514 | CIGNA GROUP INSURANCE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | $497 | $0 | $497 | 10.00% |
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 | 290 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WEST VIRGINIA | 203 | $2.5M |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 299 | $135K |
| Other(2 contracts) | CIGNA GROUP INSURANCE (LIFE INSURANCE COMPANY OF NORTH AMERICA) | 299 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.