| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $36K | $42K | 2.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $11K | $11K | 0.58% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET CINCINNATI, VA 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $0 | $38K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.57% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $1K | $0 | $1K | 7.21% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | AFLAC | $1K | $0 | $1K | 5.72% |
| MJ INSURANCE3 Filed as: GLENN E. SMITH & VARIOUS AGENTS | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | AFLAC | $265 | $0 | $265 | 1.46% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $100 | $0 | $100 | 0.55% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD, SUITE 200 BUILDING 3300 VIRGINIA BEACH, VA 23452 | AFLAC | $92 | $0 | $92 | 0.51% |
| SHELLY WIEGAND3 Filed as: SHELLY J. HAYES | 108 SOUTHEAST 11TH STREET ALEDO, IL 61231 | AFLAC | $74 | $0 | $74 | 0.41% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | AFLAC | $7 | $0 | $7 | 0.04% |
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 | 381 | 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) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $1.9M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $251K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $251K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $251K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 500 | $1.9M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.