| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 101 W MAIN STREET SUITE 900 NORFOLK, VA 23510 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $36K | $10K | $46K | 5.22% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | 1 PARK WEST CIRCLE SUITE 306-L MIDLOTHIAN, VA 23114 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $18K | — | $18K | 2.09% |
| USI INSURANCE SERVICES LLC5 | PO BOX 386 COLUMBIA, SC 29202 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 11.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.31% |
| USI INSURANCE SERVICES LLC3 | 1715 N WESTSHORT BOULEVARD SUITE 700 TAMPA, FL 33607 | ADVANTICA REINSURANCE COMPANY | $936 | — | $936 | 8.83% |
| RICHARD J PRINCINSKY AND ASSOCIATES3 | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 210311335 | ADVANTICA REINSURANCE COMPANY | $336 | — | $336 | 3.17% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 129 | $882K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $85K |
| Vision | ADVANTICA REINSURANCE COMPANY | 128 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $85K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $85K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $85K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 129 | $882K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.