| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS DESIGN, INC.3 Filed as: EMPLOYEE BENEFITS DESIGN INC | 424 STRICKLAND ROAD FORT FAIRFIELD, ME 04742 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.89% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC | 1787 SENTRY PARKWAY WEST, SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $790 | $179 | $969 | 0.64% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $545 | $31 | $576 | 0.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $273 | $273 | 0.18% |
| EMPLOYEE BENEFITS DESIGN, INC.3 Filed as: EMPLOYEE BENEFITS DESIGN INC | 424 STRICKLAND ROAD FORT FAIRFIELD, ME 04742 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.20% |
| EMPLOYEE BENEFITS DESIGN, INC.3 Filed as: EMPLOYEE BENEFITS DESIGN INC | 424 STRICKLAND ROAD FORT FAIRFIELD, ME 04742 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 12.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.42% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC | 1787 SENTRY PARKWAY WEST, SUITE 320 BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $443 | $443 | 0.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $665 | $0 | $665 | 2.64% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 411 | $151K |
| Vision | VISION SERVICE PLAN | 169 | $25K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 459 | $84K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 192 | $54K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 459 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.