| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.94% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA INC | $3K | — | $3K | 1.78% |
| USI INSURANCE SERVICES LLC3 | ATTN WF MIDATLANTIC REGION PO BOX 3727 NORFOLK, VA 23514 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.46% |
| USI INSURANCE SERVICES LLC3 | MIDATLANTIC - DC METRO PO BOX 61007 VIRGINIA BEACH, VA 23468 | PRUDENTIAL FINANCIAL COMPANY | $569 | — | $569 | 20.35% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL FINANCIAL COMPANY | — | $56 | $56 | 2.00% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA INC | 265 | $153K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $237K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $237K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 246 | $237K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS BLUE SHIELD | 498 | $618K |
| Other(3 contracts, 3 carriers) | LEGAL RESOURCES, INC. | 267 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 498 | — |
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.