| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $619 | $0 | $619 | 0.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OHIC PPO | $543 | $0 | $543 | 0.11% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM LIFE INSURANCE COMPANY | $10K | $7K | $16K | 25.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $833 | $0 | $833 | 1.29% |
| MCGRIFF INSURANCE SERVICES INC3 | 999 SHADY GROVE, SUITE 200 MEMPHIS, TN 38119 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $861 | $5K | 33.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $156 | $0 | $156 | 1.08% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | TRUSTMARK INSURANCE COMPANY | $475 | $0 | $475 | 9.22% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDRICKSBURG, VA 22407 | TRUSTMARK INSURANCE COMPANY | $305 | $0 | $305 | 5.92% |
| VINCENT T CALLAHAN3 Filed as: VINCENT T. CALLAHAN | 3916 HOLLY AVENUE NORFOLK, VA 23504 | TRUSTMARK INSURANCE COMPANY | $11 | $0 | $11 | 0.21% |
| MCGRIFF INSURANCE SERVICES INC3 | 2108 WEST LABRUNUM AVENUE SUITE 300 RICHMOND, VA 23227 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $528 | $0 | $528 | 14.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $57 | $0 | $57 | 1.54% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 61 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 74 | $4K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 245 | $84K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 158 | $64K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 158 | $64K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 61 | $1.1M |
| Other(5 contracts, 5 carriers) | ANTHEM LIFE INSURANCE COMPANY | 245 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.