| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | WORLD TRADE CENTER NORFOLK, VA 23510 | AETNA HEALTH, INC. | $0 | $7K | $7K | 0.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $5K | $20K | 21.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 5.00% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D. HYDE LAWSON | PO BOX 443 LOVINGSTON, VA 23949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.82% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.11% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $543 | $0 | $543 | 3.12% |
| MRM & ASSOCIATES OF AMERICA LTD3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $221 | $0 | $221 | 1.27% |
| BRIAN OBAL3 | 3190 FAIRVIEW PARK DRIVE, SUITE 40 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $45 | $45 | 0.26% |
| WEEKLEY MARGARET PEVERLEY3 | 172 ROSEN LANE STAUNTON, VA 24401 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.20% |
| MJ INSURANCE3 Filed as: ANGLE T. RENEE AND VARIOUS AGENTS | 2767 WAGON TRAIL ROAD RIDGEWAY, VA 24148 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | $0 | $33 | 0.19% |
| 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 | 16.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | TRANSAMERICA LIFE INSURANCE COMPANY | $666 | $0 | $666 | 7.97% |
| MICHELLE DAWN HYDE LAWSON3 Filed as: MICHELLE D. HYDE LAWSON | PO BOX 443 LOVINGSTON, VA 23949 | TRANSAMERICA LIFE INSURANCE COMPANY | $448 | $0 | $448 | 5.36% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | TRANSAMERICA LIFE INSURANCE COMPANY | $262 | $0 | $262 | 3.14% |
| MICHAEL R MARTIN3 Filed as: MICHAEL R. MARTIN | 32 OLD HICKORY PITTSBORO, NC 27312 | TRANSAMERICA LIFE INSURANCE COMPANY | $84 | $0 | $84 | 1.01% |
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 | 454 | 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) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 172 | $856K |
| Dental | DELTA DENTAL OF VIRGINIA | 154 | $72K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 139 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,068 | $93K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,068 | $93K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,068 | $93K |
| Prescription drug | AETNA HEALTH, INC. | 172 | $856K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,068 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.