| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 9.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 35.89% |
| CSA GENERAL INSURANCE AGENCY3 | 2480 W LAS PALMARITAS DR PHOENIX, AZ 85021 | AVESIS THIRD PARTY ADMINISTRATORS, INC | $2K | — | $2K | 10.39% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 950 BRECKRIDGE LANE STE 50 LOUISVILLE, KY 40207 | AVESIS THIRD PARTY ADMINISTRATORS, INC | $43 | — | $43 | 0.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, AZ 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $399 | — | $399 | 8.80% |
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 | 298 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $23K |
| Vision | AVESIS THIRD PARTY ADMINISTRATORS, INC | 103 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 172 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.