| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 3.62% |
| USI INSURANCE SERVICES LLC3 | 8000 NORMAN CENTER DRIVE, SUITE 400 BLOOMINGTON, MN 55437 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $60 | $9K | 9.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $199 | $2K | 1.89% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 5.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203491 DALLAS, TX 75320 | EYEMED | $2K | $0 | $2K | 13.87% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 21.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.20% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: LAYNE FINANICAL INC | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 10105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $728 | $0 | $728 | 6.30% |
| MRM & ASSOCIATES OF AMERICA LTD3 | 6265 SMOKEY RIDGE ROAD ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $289 | $0 | $289 | 2.50% |
| WEEKLY MARGARET PEVERLY3 | 172 ROSEN LANE STAUNTON, VA 24401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.56% |
| MJ INSURANCE3 Filed as: ANGLE TABITHA | 2767 WAGON TRAIL ROAD RIDGEWAY, VA 24148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.35% |
| MJ INSURANCE3 Filed as: CORY HYDE AND VARIOUS AGENTS | 923 EAST MARKET STREET, SUITE B CHAROLTTESVILLE, VA 22902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | TRANSAMERICA LIFE INSURANCE COMPANY | $772 | $0 | $772 | 8.27% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D. HYDE LAWSON | PO BOX 443 LOVINGTON, VA 22949 | TRANSAMERICA LIFE INSURANCE COMPANY | $520 | $0 | $520 | 5.57% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: LAYNE FINANICAL INC. | 315 GREEN RIDGE ROAD, SUIE H-1 NEW CASTLE, PA 16105 | TRANSAMERICA LIFE INSURANCE COMPANY | $303 | $0 | $303 | 3.25% |
| MICHAEL R MARTIN3 Filed as: MICHAEL R. MARTIN | 47 STONEWALL DRIVE DALEVILLE, VA 24083 | TRANSAMERICA LIFE INSURANCE COMPANY | $97 | $0 | $97 | 1.04% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $774K |
| Dental | DELTA DENTAL OF VIRGINIA | 208 | $82K |
| Vision | EYEMED | 182 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $101K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $101K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $101K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 200 | $774K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 200 | $122K |
| 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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.