| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | SHIC PPO | $25K | $0 | $25K | 2.50% |
| USI INSURANCE SERVICES LLC3 | 4840 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | SENTARA ADVANTAGE POS M/C | $12K | $0 | $12K | 2.50% |
| CHARLES SPENCE3 | 6151 WESTWOOD TERRACE NORFOLK, VA 23508 | STANDARD INSURANCE COMPANY | $11K | $0 | $11K | 5.10% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $0 | $4K | 5.10% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| USI INSURANCE SERVICES LLC3 | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $977 | $0 | $977 | 9.81% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHIC PPO | 138 | $1.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 202 | $77K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 166 | $10K |
| Life insurance | STANDARD INSURANCE COMPANY | 108 | $210K |
| Short-term disability | STANDARD INSURANCE COMPANY | 108 | $210K |
| Long-term disability | STANDARD INSURANCE COMPANY | 108 | $210K |
| Prescription drug(2 contracts, 2 carriers) | SHIC PPO | 138 | $1.5M |
| Other(4 contracts, 4 carriers) | SHIC PPO | 138 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.