| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | AETNA LIFE INSURANCE COMPANY | $77K | $163K | $240K | 1.01% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 0.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.04% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $294K | $0 | $294K | 12.54% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C-2 MANASQUAN, NJ 08736 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $106K | $0 | $106K | 4.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE 500 DAYTONA BEACH, FL 32114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.20% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATIONS LLC | 6230 FAIRVIEW DRIVE, SUITE 210 CHARLOTTE, NC 28210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $848 | $0 | $848 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TIS INSURANCE SERVICES LLC | 1900 WINSTON ROAD, SUITE 100 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $362 | $0 | $362 | 0.02% |
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 | 4,751 | 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) | 4,751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 3,636 | $23.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 3,636 | $23.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,636 | $23.9M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,751 | $2.3M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,751 | $2.3M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,751 | $2.3M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 3,636 | $23.9M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,751 | $26.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,751 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.