| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203510 DALLAS, TX 75320 | AETNA HEALTH, INC. | $0 | $32K | $32K | 2.78% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK, SUITE 400 FALLS CHURCH, VA 22042 | AETNA HEALTH, INC. | $0 | $3K | $3K | 0.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203510 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.81% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK, SUITE 400 FALLS CHURCH, VA 22042 | AETNA LIFE INSURANCE COMPANY | $0 | $869 | $869 | 0.25% |
| USI INSURANCE SERVICES LLC3 | 4880 COX ROAD, SUITE 102 GLEN ALLEN, VA 23060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $999 | $15K | 12.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $5K | $0 | $5K | 4.96% |
| 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 | $286 | $0 | $286 | 2.53% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $226 | $0 | $226 | 2.00% |
| PETER CULVER3 | 887 COPPER LINE ROAD BUMPASS, VA 23024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | $0 | $167 | 1.48% |
| LAYNE FINANCIAL INC Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | $0 | $164 | 1.45% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP ROAD WARRENTON, VA 20186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.43% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $799 | $0 | $799 | 9.99% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 194 | $1.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 263 | $110K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 89 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $123K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 194 | $1.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.