| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK FALLS CHURCH, VA 22042 | AETNA HEALTH, INC. | $0 | $49K | $49K | 3.62% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK FALLS CHURCH, VA 22042 | AETNA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.27% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 10.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 4.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $461 | — | $461 | 0.37% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $757 | $4K | 9.14% |
| 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 | $259 | $0 | $259 | 1.58% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $206 | $0 | $206 | 1.26% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON ROAD, SUITE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $149 | $0 | $149 | 0.91% |
| PETER CULVER3 | 887 COPPER LINE ROAD BUMPASS, VA 23024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $147 | $0 | $147 | 0.90% |
| JAMES D EDMONDS3 Filed as: JAMES EDMONDS | 788 BLACK SWEEP ROAD WARRENTON, VA 20186 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 0.29% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 234 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 280 | $124K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 116 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $145K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $46K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $145K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 234 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.