| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3727 NORFOLK, VA 23514 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $557 | $557 | 0.55% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 601478 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $139 | $139 | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | — | $2K | $2K | 6.02% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $492 | — | $492 | 9.24% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $46 | — | $46 | 0.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2002 EASTWOOD ROAD, SUITE 301 WILMINGTON, NC 28403 | AFLAC | $38 | — | $38 | 0.71% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD, SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $26 | — | $26 | 0.49% |
| SHERRY SHOLAR3 Filed as: SHERRY E. SHOLAR | 441 INGRAM ROAD VIRGINIA BEACH, VA 23452 | AFLAC | $13 | — | $13 | 0.24% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS AND OTHER AGENTS | 515 SOUTH FRY ROAD, SUITE A KATY, TX 77450 | AFLAC | $8 | — | $8 | 0.15% |
| MICHAEL FATHERREE3 | PO BOX 36823 TUCSON, AZ 85740 | AFLAC | $3 | — | $3 | 0.06% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 283 | $1.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 283 | $1.6M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 283 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $139K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $102K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 283 | $1.6M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.