| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | ANTHEM LIFE INSURANCE COMPANY | $21K | $1K | $22K | 11.12% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | $0 | $7K | 5.00% |
| KENNETH W SHOLAR3 Filed as: KENNETH W. SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $2K | $136 | $2K | 13.85% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB AND ASSOCIATES INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $312 | $27 | $339 | 2.01% |
| NOICHOLAS WAGNER3 | 4665 HAYGOOD ROAD, SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $140 | $27 | $167 | 0.99% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 2428 ALMEDA AVENUE, SUITE 300 NORFOLK, VA 23513 | AFLAC | $102 | $0 | $102 | 0.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G. BROWN AND VARIOUS AGENTS | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $95 | $0 | $95 | 0.56% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $80 | $0 | $80 | 0.47% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $51 | $0 | $51 | 0.30% |
| USI INSURANCE SERVICES LLC3 | 211300 ROCKVILLE PIKE, SUITE 1200 ROCKVILLE, MD 20852 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.91% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 232 | $2.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 169 | $139K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 139 | $10K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 214 | $200K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 214 | $200K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 214 | $200K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 232 | $2.1M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 270 | $220K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.