| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $40K | $46K | 2.21% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 0.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $0 | $42K | 15.00% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 16.22% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 15.17% |
| MJ INSURANCE3 Filed as: DAVID NEIL MORGAN & VARIOUS AGENTS | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | $0 | $85 | 0.59% |
| SHELLY JEAN HAYES3 | 108 SOUTHEAST 11TH STREET ALEDO, IL 61231 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.55% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 1323 GRAHAM TRACE LANE LEAGUE CITY, TX 77573 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.41% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.31% |
| GLEN EDWIN SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.25% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 523 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 523 | $2.1M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 523 | $2.1M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 400 | $277K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 400 | $277K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 400 | $277K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 523 | $2.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 400 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.