| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN NEWPORT NEWS, VA 23606 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $35K | $35K | 5.26% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.53% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $842 | $7K | 11.57% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN. INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.13% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 9.37% |
| BRANDON SHOLAR3 Filed as: BRANDON W. SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $859 | $40 | $899 | 8.30% |
| SUZANNE RACHELLE CRAWLEY3 | 3829 SOUTH PLAZA TRAIL VIRGINIA BEACH, VA 23452 | AFLAC | $859 | $40 | $899 | 8.30% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB AND ASSOCIATES INC | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $417 | $16 | $433 | 4.00% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD, SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $177 | $16 | $193 | 1.78% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $98 | $0 | $98 | 0.90% |
| KEVIN E PLUMB3 Filed as: KEVIN E. PLUMB | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $47 | $0 | $47 | 0.43% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN AND OTHER AGENTS | 2428 ALMEDA AVENUE, SUITE 300 NORFOLK, VA 23513 | AFLAC | $38 | $0 | $38 | 0.35% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | VISION SERVICE PLAN | $918 | $0 | $918 | 9.97% |
| BETTY MARSHALL3 | UNKNOWN NEWPORT NEWS, VA 23606 | MONUMENTAL LIFE INSURANCE COMPANY | $252 | $0 | $252 | 11.86% |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $657K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 166 | $63K |
| Vision | VISION SERVICE PLAN | 55 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $45K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $45K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 130 | $657K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.