| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 1120 MADISON AVENUE TOLEDO, OH 436040000 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $9K | — | $9K | 1.33% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1120 MADISON AVENUE TOLEDO, OH 43604 | HEALTHKEEPERS, INC | $9K | — | $9K | 1.94% |
| CHARLES SPENCE3 Filed as: CHARLES H. SPENCE JR | 6151 WESTWOOD TERRACE NORFOLK, VA 23508 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 5.84% |
| U S I INSURANCE SERVICES, LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 5.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 220424546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 12.96% |
| U S I INSURANCE SERVICES, LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 6.97% |
| USI INSURANCE SERVICES LLC5 Filed as: USI INSURANCE SERVICES | 101 W. MAIN STREET SUITE 900 NORFOLK, VA 23510 | FIDELITY SECURITY LIFE INSURANCE COMPANY-AVESIS THIRD PARTY ADMIN | $1K | — | $1K | 10.62% |
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)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 136 | $1.2M |
| Dental(2 contracts) | DELTA DENTAL OF VIRGINIA | 152 | $84K |
| Vision(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 188 | $1.2M |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $148K |
| Short-term disability | STANDARD INSURANCE COMPANY | 118 | $148K |
| Long-term disability | STANDARD INSURANCE COMPANY | 118 | $148K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 118 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.