| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $88K | $0 | $88K | 55.31% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | ONE OXFORD CENTRE, #300 PITTSBURGH, PA 15219 | AETNA LIFE INSURANCE COMPANY | $25K | $0 | $25K | 15.49% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | AETNA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 9.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $661 | $7K | 12.39% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 2.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $211 | $5K | 12.49% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $251 | $5K | 13.68% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $710 | $0 | $710 | 2.04% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE DRIVE NE STE 700 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE DRIVE NE STE 700 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE DRIVE NE STE 700 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $942 | $46 | $988 | 12.95% |
| COURY HEALTH SERVICES LLC3 | 965 GREENTREE RD STE 310 PITTSBURGH, PA 15220 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $203 | $0 | $203 | 2.66% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 305 | $160K |
| Vision | AETNA LIFE INSURANCE COMPANY | 305 | $160K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $55K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $35K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.