| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 2975 REGENT BOULEVARD IRVING, TX 75063 | PRINCIPAL LIFE INSURANCE COMPANY | $89K | $0 | $89K | 12.12% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $46K | $0 | $46K | 8.00% |
| USI INSURANCE SERVICES LLC3 | 580 NORTH 4TH STREET, SUITE 400 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $5K | $35K | 23.05% |
| MJ INSURANCE3 Filed as: LOIS VEGA AND VARIOUS AGENTS | 134 PINECOVE AVENUE ODENTON, MD 21113 | AFLAC | $8K | $0 | $8K | 6.48% |
| DAVID E SHELL JR3 Filed as: DAVID SHELL JUNIOR | 102 MACTANLY PLACE, SUITE C STAUNTON, VA 24401 | AFLAC | $2K | $0 | $2K | 1.50% |
| ELIZABETH A COOK MILLER3 Filed as: ELIZABETH COOK MILLER | 86 OLD LAUREL HILL ROAD VERONA, VA 24482 | AFLAC | $2K | $0 | $2K | 1.33% |
| RICHARD L TUSING3 Filed as: RICHARD L. TUSING | 30 YORK COURT STAUNTON, VA 24401 | AFLAC | $1K | $0 | $1K | 0.83% |
| VICKIE LOSNES3 | 8540 GOODVIEW ROAD GOODVIEW, VA 24095 | AFLAC | $697 | $0 | $697 | 0.56% |
| BONNIE TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $684 | $0 | $684 | 0.55% |
| LARRY W SHOWALTER3 Filed as: LARRY W. SHOWALTER | 2515 EAST MARKET STREET, SUITE E HARRISONBURG, VA 22801 | AFLAC | $478 | $0 | $478 | 0.39% |
| MJ INSURANCE3 Filed as: DAVID SHELL JR AND VARIOUS AGENTS | 504 RAINBOW DRIVE STAUNTON, VA 24401 | AFLAC | $156 | $0 | $156 | 3.58% |
| SCOTT W GAGE3 Filed as: SCOTT GAGE | PO BOX 1 BOUCKVILLE, NY 13310 | AFLAC | $66 | $0 | $66 | 1.51% |
| EDWARD D YATES JR3 Filed as: EDWARD YATES JUNIOR | 2063 COUNTY ROUTE 8 OSWEGO, NY 13126 | AFLAC | $63 | $0 | $63 | 1.44% |
| MARY FRANCES CARLTON3 Filed as: MARY CARLTON | 3824 HOGAN ROAD VERNON CENTER, NY 13477 | AFLAC | $54 | $0 | $54 | 1.24% |
| SUSAN W JONES3 Filed as: SUSAN JONES | 236 WEST REXFORD DRIVE BEVERLY HILLS, FL 34465 | AFLAC | $44 | $0 | $44 | 1.01% |
| DAWN PELLERIN3 | 34 TAMARACK DRIVE NEW HARTFORD, NY 13413 | AFLAC | $30 | $0 | $30 | 0.69% |
| STEVEN DALABA3 | 405 CRAVER POINTE DRIVE CLEMMONS, NC 27012 | AFLAC | $30 | $0 | $30 | 0.69% |
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 | 1,472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AFLAC | 183 | $128K |
| Dental | DELTA DENTAL OF VIRGINIA | 2,024 | $580K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,472 | $738K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,472 | $738K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,472 | $738K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 524 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,024 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.