| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $111K | $0 | $111K | 5.39% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | RELIASTAR LIFE INSURANCE COMPANY | $84K | $0 | $84K | 4.08% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $11K | $11K | 0.54% |
| ONE80 INTERMEDIARIES INC3 Filed as: ONE80 INTERMEDIARIES, INC. | 7804 FAIRVIEW ROAD, SUITE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $7K | $23K | 35.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 15.00% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL GINO ACETI | 7804 FAIRVIEW ROAD, SUITE 266 CHARLOTTE, NC 28226 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $291 | $0 | $291 | 5.90% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $248 | $0 | $248 | 5.03% |
| TIMOTHY C. FLANAGAN3 | 4350 CONGRESS STREET, SUITE 300 CHARLOTTE, NC 28209 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $123 | $10 | $133 | 2.70% |
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 | 2,901 | 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) | 2,901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 7,534 | $2.1M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 7,534 | $2.1M |
| Long-term disability(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,534 | $2.1M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 7,534 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,534 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.