| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.01% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $30K | $20K | $50K | 16.52% |
| ONEGROUP NY INC3 | 706 N. CLINTON ST SYRACUSE, NY 13204 | HARTFORD LIFE AND ACCIDENT | $281 | — | $281 | 0.09% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | — | $141 | $141 | 0.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.66% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $527 | — | $527 | 1.06% |
| USI INSURANCE SERVICES LLC3 | 333 WESTCHESTER AVENUE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE COMPANY | — | $663 | $663 | 2.50% |
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 | 1,131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,209 | $670K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,092 | $50K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,209 | $643K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 787 | $305K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,209 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,209 | — |
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.