| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $836 | $836 | 0.73% |
| USI INSURANCE SERVICES LLC3 | 100 NORTH MAIN STREET WINSTON - SALEM, NC 27150 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $180 | $180 | 0.16% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $2K | $87 | $2K | 18.39% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB AND ASSOCIATES INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $359 | $17 | $376 | 3.64% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD, SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $255 | $17 | $272 | 2.63% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $40 | $0 | $40 | 0.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $24 | $0 | $24 | 0.23% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS AND OTHER AGENTS | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | AFLAC | $23 | $0 | $23 | 0.22% |
| SHERRY SHOLAR3 Filed as: SHERRY E SHOLAR | 461 DAUPHIN LANE VIRGINIA BEACH, VA 23452 | AFLAC | $11 | $0 | $11 | 0.11% |
| USI INSURANCE SERVICES LLC3 | 11300 ROCKVILLE PIKE, SUITE 1200 ROCKBVILLE, MD 20852 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $959 | $0 | $959 | 10.00% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 271 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 271 | $1.6M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 271 | $1.6M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 225 | $152K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $114K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 271 | $1.8M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.