| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $8K | $0 | $8K | 0.78% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OHIC PPO | $1K | $0 | $1K | 0.67% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $7K | $3K | $10K | 6.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 2.17% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $676 | $31 | $707 | 10.20% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | AFLAC | $677 | $0 | $677 | 9.77% |
| MJ INSURANCE3 Filed as: GLENN E. SMITH & VARIOUS AGENTS | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $42 | $20 | $62 | 0.89% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DRIVE GLEN ALLEN, VA 23059 | AFLAC | $30 | $0 | $30 | 0.43% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $28 | $0 | $28 | 0.40% |
| JULIA E LEE3 Filed as: JULIA E. LEE | 3414 LAGUNA AVENUE OAKLAND, CA 94602 | AFLAC | $26 | $0 | $26 | 0.38% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $18 | $0 | $18 | 0.26% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | FIDELITY SECURITY LIFE | $420 | $0 | $420 | 15.02% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 114 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 149 | $150K |
| Vision | STANDARD INSURANCE COMPANY | 149 | $150K |
| Life insurance | STANDARD INSURANCE COMPANY | 149 | $150K |
| Long-term disability | STANDARD INSURANCE COMPANY | 149 | $150K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 114 | $1.1M |
| Other(4 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 149 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.