| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCES SERVICES LLC | NORTHEAST - NEW JERSEY PO BOX 62939 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $287K | — | $287K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE 1ST FLOOR FLORHAM PARK, NJ 07982 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 1.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62939 VIRGINIA BEACH, VA 234662939 | RELIASTAR LIFE INSURANCE COMPANY | $101K | — | $101K | 53.54% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE 1ST FLOOR FLORHAM PARK, NJ 07982 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $562 | $562 | 1.34% |
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 | 10,680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 866 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,680 | $3.9M |
| Other(3 contracts, 2 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 1,482 | $796K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,680 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.