| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $45K | $8K | $52K | 16.16% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 1.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 100 SUMMIT LAKE DR, STE 400 VALHALLA, NY 10595 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.29% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE | 100 SUMMIT LAKE DRIVE, STE 400 VALHALLA, NY 10595 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $164 | — | $164 | 8.95% |
| U S I INSURANCE SERVICES, LLC3 Filed as: U S I INSURANCE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $11K | — | $11K | 3660.51% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | DELTA DENTAL OF VIRGINIA | $1K | — | $1K | 339.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 THIRD PARTY ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Claims processing; Float revenue Service code 12 | — | $328K |
| HEALTHKEEPERS, INC. EIN 54-1356687 TPA | Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other fees; Other services Service code 12 | — | $116K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMIN | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $14K |
| HEALTH AND HUMAN RESOURCE CENTER PLAN ADMIN | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $66 |
| AP BENEFIT ADVISORS, LLC EIN 30-0837157 BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $0 |
| USI INS SERVICES LLC BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 300 E MAIN ST, STE 1300 NORFOLK, VA 23510 | $0 |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 342 | $314 |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 325 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 413 | $323K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 413 | $323K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 413 | $323K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 413 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.