| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | $474K | — | $474K | 4.17% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $15K | $10K | $25K | 5.53% |
| USI INSURANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN (VSP) | $4K | — | $4K | 3.80% |
| USI INSURANCE SERVICES LLC | 1 HILLCREST DR E CHARLESTON, WV 25311 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $541 | $3K | 10.28% |
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 | 974 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE CROSS BLUE SHIELD WEST VIRGINIA | 1,580 | $11.4M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,848 | $454K |
| Vision | VISION SERVICE PLAN (VSP) | 975 | $110K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $32K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,848 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.