| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES M MALESKI | 1787 SENTRY PARKWAY WEST STE 300 BLUE BELL, PA 19422 | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | $79K | — | $79K | 1.75% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY W BLDG 16 STE 3 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 5.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE | $28K | $8K | $36K | 19.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $7K | $34K | 18.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $3K | $13K | 18.52% |
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 | 827 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 827 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHEILD OF NORTH CAROLINA | 827 | $4.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 600 | $362K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 600 | $362K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE | 763 | $190K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 410 | $180K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.