| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 203510 DALLAS, TX 75320 | AETNA HEALTH, INC. | $0 | $33K | $33K | 3.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203510 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.04% |
| USI INSURANCE SERVICES LLC3 | 9020 STONY POINT PARKWAY, SUITE 200 RICHMOND, VA 23235 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 10.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $5K | $0 | $5K | 4.99% |
| MRM & ASSOCIATES OF AMERICA LTD3 Filed as: MRM AND ASSOCIATES OF AMERICA LTD | 762 CHAPEL RIDGE DRIVE PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $378 | $0 | $378 | 2.52% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $296 | $0 | $296 | 1.97% |
| PETER CULVER3 | 887 COPPER LINE ROAD BUMPASS, VA 23024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | $0 | $237 | 1.58% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | $0 | $217 | 1.44% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP ROAD WARRENTON, VA 20186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.32% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $961 | $0 | $961 | 13.11% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 182 | $1.4M |
| Dental | DELTA DENTAL OF VIRGINIA | 234 | $101K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 125 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $152K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $152K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $152K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 182 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 133 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.