| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 9020 STONY POINT PARKWAY, SUITE 200 RICHMOND, VA 23235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $448 | $9K | 5.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 9020 STONY POINT PARKWAY, SUITE 20 RICHMOND, VA 23235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $773 | $9K | 5.60% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $5K | $0 | $5K | 4.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN RICHMOND, VA 23230 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $604 | $0 | $604 | 9.21% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC | 185 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 237 | $102K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 109 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $163K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $163K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $163K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH INC | 185 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
No prospect flags tripped on this filing.