| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH | $14K | — | $14K | 1.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH | $16K | — | $16K | 3.43% |
| CHARLES SPENCE3 Filed as: CHARLES H. SPENCE JR | 6151 WESTWOOD TERRACE NORFOLK, VA 23508 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 5.75% |
| U S I INSURANCE SERVICES, LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 5.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 220424546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.41% |
| U S I INSURANCE SERVICES, LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $1K | — | $1K | 4.90% |
| 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 | 10.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | 200 W CYPRESS CREEK RD #500 FORT LAUDERDALE, FL 33309 | HEALTHKEEPERS, INC | $2K | — | $2K | 110.23% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | OPTIMA HEALTH | 141 | $1.3M |
| Dental(2 contracts) | DELTA DENTAL OF VIRGINIA | 136 | $81K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY-AVESIS THIRD PARTY ADMIN | 186 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 118 | $151K |
| Short-term disability | STANDARD INSURANCE COMPANY | 118 | $151K |
| Long-term disability | STANDARD INSURANCE COMPANY | 118 | $151K |
| Other(4 contracts, 3 carriers) | OPTIMA HEALTH | 141 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.