| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LANE, SUITE 350 VIRGINIA BEACH, VA 23462 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $283K | $287K | 3.72% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BEN. GENERAL AGENCY | 899 CASSATT ROAD BERWYN, PA 19312 | UNITEDHEALTHCARE INSURANCE COMPANY | -$7 | -$23 | -$30 | -0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES SOUTHWEST | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $156K | $29K | $185K | 14.15% |
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION | 6230 FAIRVIEW ROAD, SUITE 210 CHARLOTTE, NC 28210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $156K | $0 | $156K | 11.90% |
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 | 973 | 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) | 973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,194 | $7.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 973 | $1.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 973 | $1.3M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 973 | $1.3M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 973 | $1.3M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 973 | $1.3M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,194 | $7.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 973 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.