| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $5K | 6.40% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 37 BROADWAY, 2ND FLOOR NORTH HAVEN, CT 06473 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $208 | $208 | 0.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 18.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| USI INSURANCE SERVICES LLC3 | 101 W MAIN ST STE 900 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 65.01% |
| FAY JETER MARTIN3 | 19220 FOREST ROAD LYNCHBURG, VA 24502 | AFLAC | $540 | — | $540 | 6.05% |
| JACQUELINE FAY MARTIN3 | 428 DEEP RUN ROAD CARTERSVILLE, VA 23027 | AFLAC | $131 | — | $131 | 1.47% |
| TEMPLE SCOTT JENKINS3 | 6550 GREEN BAY ROAD GREEN BAY, VA 23942 | AFLAC | $111 | — | $111 | 1.24% |
| WANDA LEE MADDOX3 | PO BOX 346 CROZET, VA 22932 | AFLAC | $56 | — | $56 | 0.63% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS K. GATHRIGHT JR. | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $52 | — | $52 | 0.58% |
| DAVID W HARLESS3 Filed as: DAVID W. HARLESS | 3412 MANOR GROVE CIRCLE GLEN ALLEN, VA 23059 | AFLAC | $50 | — | $50 | 0.56% |
| JEFFREY WHITE3 | 8250 PORTERS CROSSING WAY WILMINTON, NC 28411 | AFLAC | $38 | — | $38 | 0.43% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LN. HAYES, VA 23072 | AFLAC | $24 | — | $24 | 0.27% |
| SUSAN L COTTRELL3 Filed as: SUSAN L. COTTRELL | 79 MAHAN RD FARMVILLE, VA 23901 | AFLAC | $21 | — | $21 | 0.24% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PL. MANAKIN SABOT, VA 23103 | AFLAC | $17 | — | $17 | 0.19% |
| CHARLOTTE R. TINSLEY3 | 712 SW MONTGOMERY AVE LEES SUMMIT, MO 64081 | AFLAC | $16 | — | $16 | 0.18% |
| MARVIN S THOMPSON3 Filed as: MARVIN S. THOMPSON | 615 KERRI COVE CT APT 202 MIDLOTHIAN, VA 23113 | AFLAC | $12 | — | $12 | 0.13% |
| THOMAS E HATCHER JR3 Filed as: THOMAS E. HATCHER JR. | 1588 BAY TREE DR. HARRELLS, NC 28444 | AFLAC | $5 | — | $5 | 0.06% |
| DUANE A ADAMS3 Filed as: DUANE A. ADAMS | 11520 NUCKOLS RD. STE 103 GLEN ALLEN, VA 23059 | AFLAC | $5 | — | $5 | 0.06% |
| RICHARD J KRESINSKE3 Filed as: RICHARD J. KRESINSKE | 4004 ATLANTIC AVE. APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $4 | — | $4 | 0.04% |
| GREGORY D HILL3 Filed as: GREGORY D. HILL | 16142 SWALLOWTAIL PL. MIDLOTHIAN, VA 23113 | AFLAC | $4 | — | $4 | 0.04% |
| PHYLLIS DAWN HESLEP3 | 3815 BARNYARD TRL. GLEN ALLEN, VA 23060 | AFLAC | $3 | — | $3 | 0.03% |
| BENJAMIN O THOMPSON SR3 Filed as: BENJAMIN O. THOMPSON SR. | 2012 GAMELAW CT MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.02% |
| MARY LEE NICHOLS3 | 151 GRANDE VIEW DR. APT 35 BILOXI, MS 39531 | AFLAC | $1 | — | $1 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 208 GRAND PARK BLVD. CHARLESTON, SC 29492 | AFLAC | $1 | — | $1 | 0.01% |
| MICHAEL R MARTIN3 Filed as: MICHAEL R. MARTIN | 762 CHAPEL RIDGE DR. PITTSBORO, NC 27312 | AFLAC | $1 | — | $1 | 0.01% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD. VIRGINIA BEACH, VA 23454 | AFLAC | $1 | — | $1 | 0.01% |
| SHEILA L RAITCH3 Filed as: SHEILA L. RAITCH | 5524 LIBER CT. GAINESVILLE, VA 20155 | AFLAC | $1 | — | $1 | 0.01% |
| SABRINA ANN PARSONS3 | 1925 CUBA LN. HAYES, VA 23072 | AFLAC | $1 | — | $1 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $828 | — | $828 | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SVCS LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $909 | — | $909 | 15.00% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | OPTIMA HEALTH PLAN | 124 | $1.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $83K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 211 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 56 | $19K |
| Prescription drug | OPTIMA HEALTH PLAN | 124 | $719K |
| Other(7 contracts, 4 carriers) | OPTIMA HEALTH PLAN | 140 | $810K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
No prospect flags tripped on this filing.