| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HIGHMARK, INC. | $30K | — | $30K | 2.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $811 | $4K | 5.96% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE SUITE 200 PITTSBURGH, PA 15222 | RELIANCE STANDARD | $2K | — | $2K | 15.00% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE SUITE 200 PITTSBURGH, PA 15222 | RELIANCE STANDARD | $1K | — | $1K | 11.00% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | FSL | $725 | — | $725 | 6.71% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE LCC | 2550 BOYCE PLAZA ROAD PITTSTBURGH, PA 15241 | FSL | $139 | — | $139 | 1.29% |
| USI INSURANCE SERVICES LLC3 | SIX PPG PLACE, SUITE 200 PITTSBURGH, PA 15222 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $994 | — | $994 | 11.00% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 114 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 116 | $60K |
| Vision | FSL | 93 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $9K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 34 | $20K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 34 | $21K |
| Prescription drug | HIGHMARK, INC. | 114 | $1.3M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.