| 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 | $21K | — | $21K | 2.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH | $12K | — | $12K | 2.50% |
| CHARLES SPENCE3 | 6151 WESTWOOD TERR NORFOLK, VA 23508 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.74% |
| CHARLES SPENCE3 | 6151 WESTWOOD TERR NORFOLK, VA 23508 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 5.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 3190 FAIRVIEW PARK DRIVE, STE 400 FALLS CHURCH, VA 220424546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 16.26% |
| CHARLES SPENCE3 | 6151 WESTWOOD TERR NORFOLK, VA 23508 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 3190 FAIRVIEW PARK DRIVE, STE 400 FALLS CHURCH, VA 220424546 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 13.53% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 101 W. MAIN STREET NORFOLK, VA 23510 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $938 | — | $938 | 9.99% |
| 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 | $2K | — | $2K | 18.73% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH | 125 | $1.3M |
| Dental | DELTA DENTAL OF VIRGINIA | 208 | $85K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 164 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 106 | $86K |
| Short-term disability | STANDARD INSURANCE COMPANY | 18 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 67 | $107K |
| Other(5 contracts, 2 carriers) | OPTIMA HEALTH | 125 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.