| 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 | $197K | $0 | $197K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $54K | $54K | 2.74% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | DELTA DENTAL OF NEW JERSERY, INC. | $49K | $0 | $49K | 4.56% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE, SUITE 200 CAMDEN, NJ 08103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62K | $0 | $62K | 27.91% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $15K | $0 | $15K | 15.04% |
| MARY THERESA FISHER4 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 35.21% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS AND MORE LLC | 58 MATTAWANG DRIVE SOMERSET, NJ 08873 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $587 | $0 | $587 | 4.52% |
| USI INSURANCE SERVICES LLC4 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $188 | $0 | $188 | 1.45% |
| TODAYS THE DAY LLC4 Filed as: TODAYS THE DAY | 7312 SEAWALL BOULEVARD APARTMENT 209 GALVESTON, TX 77551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $59 | $0 | $59 | 0.45% |
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 | 2,166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSERY, INC. | 2,813 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 1,377 | $102K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,321 | $2.0M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,321 | $2.0M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,321 | $2.0M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,321 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,813 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.