| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HEALTHKEEPERS, INC. | $1.6M | $0 | $1.6M | 168.42% |
| THE CASON GROUP INC3 | 1612 MARION STREET, SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $908 | $8K | $9K | 5.47% |
| USI INSURANCE SERVICES LLC3 | 300 CORPORATE CENTER DRIVE SUITE 303 CAMP HILL, PA 23230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 12.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $66K | $0 | $66K | 1462.59% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 224 | $933K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $76K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $161K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $161K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $161K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $161K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 224 | $933K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.