| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $28K | $0 | $28K | 3.19% |
| USI INSURANCE SERVICES LLC3 | 555 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | STANDARD INSURANCE COMPANY | $0 | $23K | $23K | 2.67% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 05403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | $0 | $14K | 5.00% |
| EM-POWER SERVICES, INC.3 | PO BOX 591 OXFORD, MA 01540 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.29% |
| JOSEPH P. IMPARATO3 Filed as: JOSEPH P IMPARATO | 19 SEAMANS LANE BREWSTER, MA 02631 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.49% |
| ANNE FARRINGTON3 | 37 DEVON ROAD CHESTNUT HILL, MA 02467 | METROPOLITAN LIFE INSURANCE COMPANY | $155 | $0 | $155 | 0.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $5K | $20K | 17.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 2301 SUGAR BUSH ROAD, SUITE 600 RALEIGH, NC 27612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.55% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 05403 | VISION SERVICE PLAN | $2K | — | $2K | 2.42% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 7.86% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $135 | $135 | 0.16% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT STREET, SUITE 205 WARWICK, RI 02886 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 7.86% |
| MGIS3 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $135 | $135 | 0.16% |
| JOSEPH P. IMPARATO3 Filed as: JOSEPH IMPARATO | PO BOX 591 OXFORD, MA 01540 | LIFESECURE | $5K | $0 | $5K | 8.59% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SERVICES | PO BOX 591 OXFORD, MA 01540 | LIFESECURE | $3K | $0 | $3K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | SYMETRA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.29% |
| STEVEN J. PHILLIPS3 Filed as: STEVEN J PHILLIPS | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $1K | $0 | $1K | 3.92% |
| STEVEN J. PHILLIPS3 | 110 JEFFERSON BOUELVARD WARWICK, RI 02888 | AFLAC | $874 | $0 | $874 | 2.89% |
| WILLIAM G DABNEY3 | 2220 STEVEN DRIVE KNOXVILLE, TN 37938 | AFLAC | $817 | $16 | $833 | 2.76% |
| STACY S SCHMIDT3 | 3238 DEVAULT ROAD LOUISVILLE, TN 37777 | AFLAC | $268 | $0 | $268 | 0.89% |
| TIMOTHY R NAY3 | 100 ELENA STREET, SUITE 408 CRANSTON, RI 02920 | AFLAC | $259 | $0 | $259 | 0.86% |
| MARK S TAGLIAFERRI3 | 4 LEIGHAS LANE COVENTRY, RI 02816 | AFLAC | $214 | $0 | $214 | 0.71% |
| MATTHEW D BUTLER3 | 123 CENTER PARK DRIVE, SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $202 | $3 | $205 | 0.68% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $195 | $0 | $195 | 0.65% |
| CARTER L NELSON3 | 123 CENTER PARK DRIVE, SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $173 | $3 | $176 | 0.58% |
| WILLIAM H KIRK3 | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $131 | $0 | $131 | 0.43% |
| MARK S TAGLIAFERRI3 Filed as: MARK S. TAGIAFERRI | 4 LEIGHAS LANE COVENTRY, RI 02816 | AFLAC | $128 | $0 | $128 | 0.42% |
| WILLIAM H KIRK3 Filed as: WILLIAM H. KIRK | 110 JEFFERSON BOULEVARD WARWICK, RI 02888 | AFLAC | $114 | $0 | $114 | 0.38% |
| ROBERT L SCHMIDT3 | 2509 CONING ROAD MARYVILLE, TN 37803 | AFLAC | $108 | $0 | $108 | 0.36% |
| JEFFREY S SOCK3 Filed as: JEFFREY S. SOCK | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $92 | $0 | $92 | 0.30% |
| KEVIN MCCARTHY3 Filed as: KEVIN T. MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $86 | $0 | $86 | 0.28% |
| ROBERT L SCHMIDT3 | 2639 WEST OLD TOPSIDE ROAD LOUISVILLE, TN 37777 | AFLAC | $79 | $0 | $79 | 0.26% |
| MJ INSURANCE3 Filed as: JENNIFER L HARMS AND VARIOUS AGENTS | 10304 AVERY SPRINGS LANE KNOXVILLE, TN 37922 | AFLAC | $40 | $0 | $40 | 0.13% |
| RONALD MONIZ3 Filed as: RONALD M MONIZ | 20335 PATRIOT WAY WEST GREENWICH, RI 02817 | AFLAC | $36 | $0 | $36 | 0.12% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $24 | $0 | $24 | 0.08% |
| JEFFREY S SOCK3 | 1036 NARRAGANSETT BOULEVARD CRANSTON, RI 02905 | AFLAC | $20 | $0 | $20 | 0.07% |
| MJ INSURANCE3 Filed as: CHRIS AUSTERMANN AND VARIOUS AGENTS | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $9 | $0 | $9 | 0.03% |
| SINAPI INSURANCE ASSOCIATES INC3 Filed as: SINAPI INSURANCE ASSOCIATES INC. | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $6 | $0 | $6 | 0.02% |
| JAMES E MELLO3 | 4100 AVANTI CIRCLE NORTH PORT, FL 34287 | AFLAC | $6 | $0 | $6 | 0.02% |
| MICHAEL T REYES3 Filed as: MICHAEL T. REYES | 185 PLAINS ROAD, SUITE 200E MILFORD, CT 06461 | AFLAC | $5 | $0 | $5 | 0.02% |
| JOSEPH P. IMPARATO3 Filed as: JOSEPH IMPARATO | PO BOX 591 OXFORD, MA 01540 | PRUDENTIAL | $977 | $0 | $977 | 6.00% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SERVICES | PO BOX 591 OXFORD, MA 01540 | PRUDENTIAL | $954 | $0 | $954 | 5.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $202 | $2K | 12.97% |
| USI INSURANCE SERVICES LLC3 | 530 PRESTON AVENUE, 3RD FLOOR PO BOX 1040 MERIDEN, CT 06450 | ARAG INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| EM-POWER SERVICES, INC.3 Filed as: EM-POWER SERVICES | PO BOX 591 OXFORD, MA 01540 | MEDAMERICA | $339 | $0 | $339 | 4.69% |
| JOSEPH P. IMPARATO3 Filed as: JOSEPH IMPARATO | PO BOX 591 OXFORD, MA 01540 | MEDAMERICA | $281 | $0 | $281 | 3.89% |
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 | 883 | 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) | 883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 649 | $97K |
| Life insurance(7 contracts, 6 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,111 | $2.1M |
| Short-term disability(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 414 | $1.3M |
| Long-term disability(6 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 414 | $1.5M |
| Other(11 contracts, 11 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,111 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,111 | — |
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.