| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | — | $13K | $13K | 3.09% |
| USI INSURANCE SERVICES LLC3 | 101 W MAIN ST SUITE 900 NORFOLK, VA 23510 | KAISER PERMANENTE | $3K | — | $3K | 3.62% |
| USI INSURANCE SERVICES LLC3 | 300 E MAIN ST STE 1300 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VA | $2K | — | $2K | 5.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $732 | — | $732 | 2.76% |
| USI INSURANCE SERVICES LLC3 | 200 W CYPRESS CREED RD 500 FORT LAUDERDALE, FL 33309 | ANTHEM LIFE INSURANCE COMPANY | $12K | $1K | $13K | 107.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYE MED | $1K | — | $1K | 11.87% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GOVERNMENT SERVICE ADMINISTRATORS EIN 11-3335620 PLAN ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 14 | 888 VETERANS MEMORIAL HWY STE 540 HAUPPAUGE, NY 11788 | $54K |
| FRYE & COMPANY, CPAS EIN 45-4199441 PLAN AUDITOR | Accounting (including auditing) Service code 10 | 9161 LIBERIA AVE SUITE 304 MANASSAS, VA 20110 | $16K |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 83 | $512K |
| Dental | ANTHEM HEALTH PLANS OF VA | 142 | $43K |
| Vision | EYE MED | 146 | $11K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 89 | $12K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 89 | $27K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 89 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.