| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4456 CORPORATION LN STE 350 VIRGINIA BCH, VA 234623187 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $36K | $36K | 16.19% |
| SAHOURI INSURANCE & AGCY ASSOC INC3 | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $7K | $7K | 3.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $3K | $6K | 6.15% |
| SAHOURI INSURANCE & AGCY ASSOC INC3 Filed as: SAHOURI INSURANCE AGCY & ASSOC INC | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 6.82% |
| SAHOURI INSURANCE & AGCY ASSOC INC3 Filed as: SAHOURI INSURANCE AGCY & ASSOC INC | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $958 | $0 | $958 | 1.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $897 | $897 | $2K | 6.87% |
| SAHOURI INSURANCE & AGCY ASSOC INC3 Filed as: SAHOURI INSURANCE AGCY & ASSOC INC | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $299 | $0 | $299 | 1.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $402 | $241 | $643 | 6.11% |
| SAHOURI INSURANCE & AGCY ASSOC INC3 Filed as: SAHOURI INSURANCE AGCY & ASSOC INC | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNUM INSURANCE COMPANY | $137 | $0 | $137 | 1.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $361 | $215 | $576 | 8.30% |
| SAHOURI INSURANCE & AGCY ASSOC INC3 Filed as: SAHOURI INSURANCE AGCY & ASSOC INC | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNUM INSURANCE COMPANY | $13 | $0 | $13 | 0.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $260 | $156 | $416 | 8.13% |
| SAHOURI INSURANCE & AGCY ASSOC INC3 Filed as: SAHOURI INSURANCE AGCY & ASSOC INC | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | UNUM INSURANCE COMPANY | $12 | $0 | $12 | 0.23% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $220K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 106 | $101K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 106 | $101K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $111K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $84K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $84K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.