| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | ONE SEAGATE STE 1800 TOLEDO, OH 43604 | HEALTHKEEPERS, INC. (G1608) | $40K | — | $40K | 2.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW ROAD STE 1400 14TH FLOOR CHARLOTTE, NC 28210 | HEALTHKEEPERS, INC. (G1608) | -$5K | — | -$5K | -0.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | ONE SEAGATE STE 1800 TOLEDO, OH 43604 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $26K | — | $26K | 2.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW ROAD STE 1400 14TH FLOOR CHARLOTTE, NC 28210 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | -$3K | — | -$3K | -0.30% |
| 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 | $10K | — | $10K | 3.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 101 W. MAIN STREET STE 900 NORFOLK, VA 23510 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.84% |
| USI INSURANCE SERVICES LLC3 | P O BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $620 | — | $620 | 2.92% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. (G1608) | 261 | $2.6M |
| Dental(2 contracts) | DELTA DENTAL OF VIRGINIA | 845 | $346K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 582 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 845 | — |
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.