| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 234661007 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $41 | $21K | 1.47% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR, SUITE 400 VALHALLA, NY 10595 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | — | $73K | 5.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | SYMETRA LIFE INSURANCE COMPANY | $25K | $12K | $37K | 3.79% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | SYMETRA LIFE INSURANCE COMPANY | — | $11K | $11K | 1.12% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $34K | — | $34K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $15K | $7K | $22K | 3.58% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $30K | — | $30K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $13K | $6K | $19K | 3.58% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $9K | $4K | $14K | 3.58% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $8K | $3K | $11K | 3.58% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAN LIFE INSURANCE COMPANY | $69K | $1K | $70K | 36.36% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $1K | $49K | 34.46% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $2K | $783 | $3K | 3.58% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METLIFE LEGAL PLANS | $5K | $379 | $6K | 9.73% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DR, STE 400 VALHALLA, NY 10595 | METLIFE LEGAL PLANS | $536 | — | $536 | 0.91% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $1K | $551 | $2K | 3.57% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS ST, PO BOX 64006 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 5.53% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $691 | $296 | $987 | 3.58% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NY 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $384 | — | $384 | 5.48% |
| MCCURRY, RONALD E3 Filed as: MCCURRY, RONALD, E | 425 G ST STE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | — | $124 | 1.77% |
| ALASKA EMPLOYEE BENEFIT SPECIALISTS3 | 425 G ST STE 405 ANCHORAGE, AK 99501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE STE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.09% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $450 | $460 | 176.92% |
| PANTALONE, JO, ANN3 | 897 12TH ST HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 1.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Direct payment from the plan Service code 12 | — | $765K |
| GSA NATIONAL EIN 11-3335620 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $575K |
| BENEFITFOCUS.COM, INC. EIN 57-1099948 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $96K |
| DISCOVERY BENEFITS, INC. EIN 90-0058554 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $39K |
| HOMES, LOWRY, HORN & JOHNSON, LTD EIN 54-0975470 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
| BRAIN POWER SOFTWARE LLC THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 113 WAPPOO CREEK DR CHARLESTON, SC 29412 | $7K |
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 | 3,356 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,839 | $2.2M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,333 | $3.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,333 | $1.4M |
| Life insurance(3 contracts) | HARTFORD LIFE AND ACCIDENT | 2,934 | $758K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,879 | $613K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 2,006 | $977K |
| Other(14 contracts, 7 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,934 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,333 | — |
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.
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.