| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM BLUE CROSS BLUE SHIELD | $4K | $764 | $4K | 0.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | ENTERPRISE LICENSING CENTER SEATTLE, WA 98101 | HARTFORD LIFE AND ACCIDENT | $0 | $25K | $25K | 5.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 2.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | AFLAC | $6K | $0 | $6K | 20.84% |
| GLENN E SMITH3 Filed as: GLENN EDWIN SMITH OTHER AGENTS | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $2K | $0 | $2K | 6.06% |
| VICKY H KRESINSKE3 Filed as: VICKY D MANGAN | 3981 WEST STRATFORD ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $2K | $0 | $2K | 5.65% |
| KARI F MARION3 Filed as: KARI FRANCES MARION | 2713 LAKE RIDGE COURT CHESAPEAKE, VA 23323 | AFLAC | $1K | $0 | $1K | 5.35% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW JOHNSON BENEFOTS GROUP LLC | 1310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $902 | $0 | $902 | 3.25% |
| NICHOLAS E VIGIL3 Filed as: NICHOLAS KARL WAGNER | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $739 | $0 | $739 | 2.66% |
| VICKY H KRESINSKE3 Filed as: VICKY D MANGAN | 3891 WEST STRATFORD ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $575 | $0 | $575 | 2.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.56% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $572 | — | $572 | 22.99% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $61 | $61 | 2.45% |
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 | 322 | 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) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | ANTHEM BLUE CROSS BLUE SHIELD | 960 | $1.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 322 | $432K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $432K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 322 | $432K |
| Other(4 contracts, 4 carriers) | LEGAL RESOURCES | 324 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 960 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.