| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DR STE #400 FALLS CHURCH, VA 22042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $59K | $59K | 2.53% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $17K | $17K | 0.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC- | MIDATLANTIC PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $14K | $28K | 19.96% |
| EMPLOYEE FAMILY PROTECTION INC5 | 90 KREIGER LN PO BOX 1237 GLASTONBURY, CT 06033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.53% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.34% |
| EMPLOYEE FAMILY PROTECTION INC3 | 90 KREIGER LN PO BOX 1237 GLASTONBURY, CT 06033 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 13.63% |
| EFP INC5 Filed as: EFP ADMIN LLC | PO BOX 1237 GLASTONBURY, CT 060336237 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 8.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.00% |
| EMPLOYEE FAMILY PROTECTION INC5 | 90 KREIGER LN GLASTONBURY, CT 060332327 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$4K | -$4K | -4.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | — | $182 | $182 | 1.56% |
| EMPLOYEE FAMILY PROTECTION INC3 | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $211 | $2K | 16.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $190 | $11 | $201 | 1.72% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 166 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $93K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $93K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $153K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $141K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 166 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.