| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | WORLD TRADE CENTER NORFOLK, VA 23510 | AETNA HEALTH, INC. | $0 | $5K | $5K | 0.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 13.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $8K | $8K | 5.68% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 3.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 5.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 16.61% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $692 | $0 | $692 | 9.97% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $412 | $0 | $412 | 5.93% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $202 | $0 | $202 | 2.91% |
| MRM & ASSOCS OF AMERICA LTD3 Filed as: MRM AND ASSOC. OF AMERICA LTD | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | $0 | $87 | 1.25% |
| WEEKLEY MARGARET PEVERLEY3 | 1114 GABLES DRIVE, SUITE 105 FOREST, VA 24551 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.12% |
| HYDE COREY3 | 923 EAST MARKET STREET, SUITE B CHARLOTTESVILLE, VA 22902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | TRANSAMERICA LIFE INSURANCE COMPANY | $293 | $0 | $293 | 8.67% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D. HYDE LAWSON | PO BOX 443 LOVINGSTON, VA 22949 | TRANSAMERICA LIFE INSURANCE COMPANY | $42 | $0 | $42 | 1.24% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | TRANSAMERICA LIFE INSURANCE COMPANY | $26 | $0 | $26 | 0.77% |
| MICHAEL R MARTIN3 Filed as: MICHAEL R. MARTIN | 32 OLD HICKORY PITTSBORO, NC 27312 | TRANSAMERICA LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.30% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 206 | $1.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 208 | $85K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 160 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $142K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $142K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $142K |
| Prescription drug | AETNA HEALTH, INC. | 206 | $1.0M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.