| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $89K | — | $89K | 2.60% |
| RETIREMENT PLANNING SERVICES, INC.3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $23K | — | $23K | 0.68% |
| RETIREMENT PLANNING SERVICES, INC.3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $26K | — | $26K | 6.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | — | $11K | $11K | 3.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2604 BARRETT STREET, SUITE 100 VIRGINIA BEACH, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $28K | — | $28K | 7.99% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HEALTHKEEPERS, INC. | $6K | — | $6K | 2.60% |
| RETIREMENT PLANNING SERVICES, INC.3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HEALTHKEEPERS, INC. | $2K | — | $2K | 0.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $4K | — | $4K | 9.97% |
| RETIREMENT PLANNING SERVICES, INC.3 | 2604 BARRETT STREET, SUITE 100 VIRGINIA BEACH, VA 23452 | MONUMENTAL LIFE INSURANCE COMPANY | $798 | — | $798 | 3.56% |
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 | 588 | 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) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 556 | $3.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 865 | $351K |
| Vision | EYEMED VISION CARE | 686 | $41K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 586 | $371K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 586 | $371K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 586 | $371K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 556 | $3.7M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 586 | $393K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 865 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.