| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62889 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $20K | — | $20K | 1.16% |
| MICHAEL F. WASHINGTON Filed as: MICHAEL WASHINGTON | PO BOX 61007 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA INC. | $3K | — | $3K | 0.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | ATTN WF MIDANTIC REGION PO BOX 3727 NORFOLK, VA 23514 | RELIANCE STANDARD | $17K | — | $17K | 8.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | BOX 3727 NORFOLK, VA 23514 | ANTHEM HEALTH PLANS OF VIRGINIA FOR DENTAL PROGRAMS | $8K | — | $8K | 7.00% |
| USI INSURANCE SERVICES LLC5 Filed as: USI INSURANCE SERVICES | 101 W MAIN ST SUITE900 NORFOLK, VA 23510 | AVESIS | $1K | — | $1K | 9.49% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 244 | $1.7M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA FOR DENTAL PROGRAMS | 143 | $118K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC. | 250 | $1.8M |
| Life insurance | RELIANCE STANDARD | 142 | $208K |
| Short-term disability | RELIANCE STANDARD | 142 | $208K |
| Long-term disability | RELIANCE STANDARD | 142 | $208K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD | 149 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.