| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $136K | $136K | 4.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $51 | $5K | 2.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVCES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 7.94% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1060 MAITLAND CENTER COMMONS SUITE 210 MAITLAND, FL 32751 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | TRANSAMERICA LIFE INSURANCE COMPANY | $416 | $0 | $416 | 2.21% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $785 | $0 | $785 | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $606 | $0 | $606 | 10.14% |
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 | 319 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $3.3M |
| Dental(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 788 | $3.4M |
| Vision | VISION SERVICE PLAN | 254 | $32K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 319 | $140K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 319 | $133K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 319 | $140K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $3.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 319 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.