| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | $77K | — | $77K | 2.62% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 1.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 21250 HAWTHORNE BLVD STE 600 TORRANCE, CA 90503 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 0.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $14K | — | $14K | 9.12% |
| AMWINS3 Filed as: LISI INC. | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $6K | $6K | 3.65% |
| USI INSURANCE SERVICES LLC3 | 333 S GRAND AVE STE 2000 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $295 | $3K | 9.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $3K | — | $3K | 9.20% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $1K | $1K | 3.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $194 | — | $194 | 9.18% |
| AMWINS3 Filed as: LISI INC | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $78 | $78 | 3.69% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 414 | $2.9M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 212 | $187K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 347 | $33K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 414 | $2.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 347 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
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.