| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 EAST MAIN STREET, SUITE 1300 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 0.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 NORFOLK, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $754 | $754 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 100 NORTH MAIN STREET WINSTON-SALEM, NC 27150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $142 | $142 | 0.13% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 11300 ROCKVILLE PIKE, SUITE 1200 ROCKVILLE, MD 20852 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $860 | — | $860 | 10.05% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $739 | — | $739 | 12.09% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB AND ASSOCIATES, INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $94 | — | $94 | 1.54% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $85 | — | $85 | 1.39% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $37 | — | $37 | 0.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $22 | — | $22 | 0.36% |
| SHERRY SHOLAR3 Filed as: SHERRY E. SHOLAR | 441 INGRAM ROAD VIRGINIA BEACH, VA 23452 | AFLAC | $14 | — | $14 | 0.23% |
| MJ INSURANCE3 Filed as: SHAWN STEPHENS AND VARIOUS AGENTS | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $9 | — | $9 | 0.15% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $1.5M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $147K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $111K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $111K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $1.5M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
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.