| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES M MALESKI | 1787 SENTRY PARKWAY WEST STE 300 BLUE BELL, PA 19422 | BLUE CROSS AND BLUE SHEILD OF NC | $47K | — | $47K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 3.78% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST STE 300 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $6K | $18K | 10.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $6K | $17K | 10.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $8K | 9.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 61007 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.15% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 61007 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.70% |
| MARSH & MCLENNAN AGENCY LLC3 | P O BOX 12748 ROANOKE BEACH, VA 24028 | LINCOLN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P O BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 8.04% |
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 | 770 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHEILD OF NC | 770 | $4.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $347K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $347K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 725 | $153K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 393 | $206K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $78K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE INSURANCE COMPANY | 725 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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.