| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201629 DALLAS, TX 75320 | HUMANA MEDICAL PLAN, INC. | $34K | $0 | $34K | 0.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203383 DALLAS, TX 75320 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $4K | $24K | 11.72% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $14K | 11.31% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST, SUITE 300 BLUE BELL, PA 19422 | SAFEGUARD HEALTH PLANS INC., A FLORIDA CORPORATION | $4K | $454 | $4K | 11.09% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE. SUITE 400 VALHALLA, NY 10595 | ADVANTICA INSURANCE COMPANY | $4K | $0 | $4K | 12.85% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $336 | $0 | $336 | 12.00% |
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 | 849 | 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) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 444 | $3.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 447 | $163K |
| Vision(2 contracts, 2 carriers) | ADVANTICA INSURANCE COMPANY | 521 | $33K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $205K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $205K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $205K |
| Prescription drug | HUMANA MEDICAL PLAN, INC. | 444 | $3.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.