| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P O BOX 62819 SUITE 700 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $97K | $105K | 6.71% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 12.50% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 12.50% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $916 | $5K | 12.50% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $3K | $521 | $4K | 17.49% |
| USI INSURANCE SERVICES LLC3 | 3476 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE COMPANY | $3K | $513 | $4K | 17.50% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | UNUM INSURANCE SERVICES LLC | $3K | $448 | $3K | 17.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Plan Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $106K |
| USI INSURANCE SERVICES LLC BROKER | Insurance services; Insurance agents and brokers Service code 22 | P O BOX 62819 SUITE 700 VIRGINIA BEACH, VA 23466 | $8K |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 400 | $1.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 384 | $115K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 384 | $78K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 384 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.