| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORD LAUDERDALE, FL 33309 | ANTHEM LIFE INSURANCE COMPANY | $9K | $6K | $15K | 8.30% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 NEW ENGLAND VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.97% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | $0 | $7K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 30339 | BLUE CROSS OF CALIFORNIA | $2K | $0 | $2K | 7.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN SVCS | 21650 OXNARD STREET SUITE 200 WOODLAND HILL, CA 97367 | BLUE CROSS OF CALIFORNIA | $0 | $883 | $883 | 3.88% |
| KENNETH W SHOLAR3 Filed as: KENNETH SHOLAR | 4608 WESTGROVE COURT HAYWWOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $2K | $102 | $2K | 14.79% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB AND ASSOCIATES, INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $445 | $20 | $465 | 3.31% |
| NICHOLS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $295 | $20 | $315 | 2.24% |
| DAVID N MORGAN3 Filed as: DAVID MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $43 | $0 | $43 | 0.31% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $28 | $0 | $28 | 0.20% |
| MJ INSURANCE3 Filed as: AMELIA MORGAN AND VARIOUS AGENTS | 1904 ELLIS DRIVE MAIDENS, VA 23102 | AFLAC | $19 | $0 | $19 | 0.14% |
| SHERRY SHOLAR3 | PO BOX 3745 VIRGINIA BEACH, VA 23454 | AFLAC | $14 | $0 | $14 | 0.10% |
| USI INSURANCE SERVICES LLC3 | 11300 ROCKVILLE PIKE, SUITE 1200 ROCKVILLE, MD 20852 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.27% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 26 | $184K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 173 | $146K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 149 | $12K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 218 | $181K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 218 | $181K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 218 | $181K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 26 | $184K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 270 | $198K |
| 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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.