| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | UNITED HEALTHCARE INSURANCE COMPANY | $358K | $0 | $358K | 13.07% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 740 PHOENIX, AZ 85016 | UNITED HEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 2.00% |
| WINSTON FINANCIAL SERVICE INC.3 Filed as: WINSTON FINANCIAL SERVICE, INC. | 2399 HIGHWAY 34 MANASQUAN, NJ 08736 | AETNA LIFE INSURANCE COMPANY | $69K | $0 | $69K | 17.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.15% |
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 | 4,112 | 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) | 4,112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 4,639 | $2.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 4,639 | $2.7M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 4,639 | $2.7M |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 4,639 | $2.7M |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 4,639 | $2.7M |
| Other(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 4,639 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,639 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.