| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 1900 GRANT ST DENVER, CO 80203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $35K | $41K | 3.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $19K | $22K | 1.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $979 | $0 | $979 | 5.67% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 1900 GRANT ST DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $602 | $0 | $602 | 3.48% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 1900 GRANT ST DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 8.77% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 7.58% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98 | $0 | $98 | 6.07% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 1900 GRANT ST DENVER, CO 80203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $97 | $0 | $97 | 6.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI INSURANCE SERVICES LLC INSURANCE AGENT & BROKERS | Insurance agents and brokers Service code 22 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | $2K |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 114 | $15K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.