| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 2.45% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL, III | 166 PIPPIN STREET ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $2K | $12K | 15.08% |
| RAYMOND B LINGLE3 Filed as: RAYMOND B. LINGLE | 192 SUMMERFIELD COURT ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $334 | $2K | 2.28% |
| LINDA B ALLEN3 Filed as: LINDA B. ALLEN | 110 MOUNTAIN VIEW DRIVE ROCKY MOUNT, VA 24151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $36 | $1K | 1.52% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | PO BOX 5936 GLEN ALLEN, VA 23058 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $665 | $220 | $885 | 1.15% |
| SHANE MATTHEW SALYERS3 | 192 SUMMERFIELD COURT ROANOKE, VA 24019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $255 | — | $255 | 0.33% |
| ALTON B BARTON3 Filed as: ALTON B. BARTON | 1911 MAYLIN DRIVE SALEM, VA 24153 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $87 | $39 | $126 | 0.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 16.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF OREGON, INC. | 2701 NROTH WEST VAUGHEN, SUITE 340 PORTLAND, OR 97210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $404 | $404 | 1.18% |
| CHARLES A DUVALL III3 Filed as: CHARLES A. DUVALL, III | 166 PIPPIN STREET ROANOKE, VA 24019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $902 | — | $902 | 6.67% |
| HOWARD HOROWITZ3 Filed as: HOWARD P. DILEMA | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| TOMMY TAM3 | 418 EAST 74TH STREET NEW YORK, NY 10021 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 180 | $34K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $2.1M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 180 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.