| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC. | P. O. BOX 211486 COLUMBIA, SC 29221 | OPTIMA HEALTH PLAN | — | — | $0 | 0.00% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 282603438 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.44% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.24% |
| PLANSOURCE BENEFITS ADMN INC3 | 701 XENIA AVE S # 150 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $755 | $755 | 2.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $300 | — | $300 | 0.79% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.40% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.32% |
| USI INSURANCE SERVICES LLC3 | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $362 | — | $362 | 1.19% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 282603430 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.72% |
| PLANSOURCE BENEFITS ADMN INC3 | 701 XENIA AVE S # 150 MINNEAPOLIS, MN 55416 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $578 | $578 | $1K | 4.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $250 | — | $250 | 0.87% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $513 | $513 | 2.31% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 24502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.72% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $822 | $822 | 4.16% |
| USI INSURANCE SERVICES LLC3 | DC METRO OPCO VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $252 | — | $252 | 1.27% |
| MICHELLE DAWN HYDE LAWSON3 | PO BOX 443 LOVINGSTON, VA 22949 | AFLAC | $146 | — | $146 | 5.28% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 700 WAYNESBORO, VA 22980 | AFLAC | $55 | — | $55 | 1.99% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY ROAD LYNDHURST, VA 22952 | AFLAC | $54 | — | $54 | 1.95% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $39 | — | $39 | 1.41% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 8540 GOODVIEW RD GOODVIEW, VA 24095 | AFLAC | $20 | — | $20 | 0.72% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LANE VERONA, VA 24482 | AFLAC | $19 | — | $19 | 0.69% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $9 | — | $9 | 0.33% |
| SABRINA ANN PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $2 | — | $2 | 0.07% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH PLAN | 165 | $1.2M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $67K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $30K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.