| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $65K | $65K | 4.54% |
| BSB CONSULTANTS, INC.3 | 626 REXCORP PLAZA, 6TH FLOOR WEST TOWER UNIONDALE, NY 11556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $26K | $26K | 1.78% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 300 CONNELL DRIVE, SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.89% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 7.05% |
| BSB CONSULTANTS, INC.3 | 626 REXCORP PLAZA, 6TH FLOOR WEST TOWER UNIONDALE, NY 11556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 2.81% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 300 CONNELL DRIVE, SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 1.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.80% |
| BSB CONSULTANTS, INC.3 | 626 REXCORP PLAZA, 6TH FLOOR UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $502 | $0 | $502 | 0.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $249 | $249 | 0.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $5K | $7K | 6.40% |
| BSB CONSULTANTS, INC.3 | 1200 NORTH FEDERAL HIGHWAY SUITE 300 BOCA RATION, FL 33432 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.80% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 278 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 241 | $121K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 241 | $121K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $112K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $214K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $102K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 278 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.