| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $180K | $0 | $180K | 9.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $77K | $96K | 4.83% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 08003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | $0 | $65K | 5.33% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | UNKNOWN BLUE BELL, PA 08003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $41K | $41K | 3.38% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 08003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 1.20% |
| CORPORATE SYNERGIES GROUP LLC3 | UNKNOWN CAMDEN, NJ 08003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$2K | $0 | -$2K | -0.13% |
| USI INSURANCE SERVICES LLC3 | 75 JOHN ROBERTS ROAD, BUILDING C SOUTH PORTLAND, ME 04108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 9.75% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $0 | $22K | 9.49% |
| MARY THERESA FISHER4 | 898 UNION CHRUCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 14.84% |
| WILLS AND MORE LLC4 | 58 MATTAWANG DRIVE SOMERSET, NJ 08873 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $443 | $0 | $443 | 2.61% |
| USI INSURANCE SERVICES LLC4 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $361 | $0 | $361 | 2.12% |
| AP BENEFITS ADVISORS LLC4 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $34 | $0 | $34 | 0.20% |
| TODAYS THE DAY LLC4 | APARTMENT 209 7312 SEAWALL BOULEVARD GALVESTON, TX 77551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | $0 | $24 | 0.14% |
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 | 2,580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 61 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,660 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,753 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,753 | $1.2M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,871 | $2.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,871 | $2.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,871 | $2.0M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,871 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,753 | — |
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.