| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 6100 FAIRVIEW ROAD STE 1400, 14TH FLOOR CHARLOTTE, NC 28210 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $21K | — | $21K | 1.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62889 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $12K | — | $12K | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA INC | 6100 FAIRVIEW ROAD STE 1400, 14TH FLOOR CHARLOTTE, NC 28210 | HEALTHKEEPERS, INC. (G1608) | $4K | — | $4K | 1.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | P O BOX 62889 VIRGINIA BEACH, VA 23466 | HEALTHKEEPERS, INC. (G1608) | $2K | — | $2K | 0.68% |
| U S I INSURANCE SERVICES, LLC3 Filed as: U S I INSURANCE SERVICES LLC | P O BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $9K | — | $9K | 2.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 101 W. MAIN STREET STE 900 NORFOLK, VA 23510 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.43% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMN INC | P O BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 12.03% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DR STE 400 FALLS CHURCH, VA 220424546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.40% |
| USI INSURANCE SERVICES LLC3 | P O BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $389 | — | $389 | 2.85% |
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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 322 | $2.2M |
| Dental(2 contracts) | DELTA DENTAL OF VIRGINIA | 847 | $305K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 500 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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.