| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $34K | $0 | $34K | 1.83% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $608 | $11K | 5.58% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 13.64% |
| VINCE THOMAS CALLAHAN3 | 6804 ATLANTIC AVENUE VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.41% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.18% |
| JOHN DOTEN3 | 6003 POURING GLORIES WAY CLARKSVILLE, MD 21029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $603 | $0 | $603 | 0.33% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY MARK SIMMONS | 5405 STANWOOD WAY GLEN ALLEN, VA 23059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | $0 | $126 | 0.07% |
| ROSS G. WINFIELD3 | 397 LITTLE NECK ROAD THE 3300 BUILDING, SUITE 200 VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $116 | $0 | $116 | 0.06% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OHIC PPO | $3K | $0 | $3K | 1.84% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | ALLSTATE WORKPLACE DIVISION | $3K | $0 | $3K | 13.61% |
| VINCE CALLAHAN3 | 1126 MAGNOLIA AVENUE NORFOLK, VA 23508 | ALLSTATE WORKPLACE DIVISION | $568 | $0 | $568 | 2.92% |
| DANNY R. OSTER3 Filed as: DANNY OSTER | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | ALLSTATE WORKPLACE DIVISION | $568 | $0 | $568 | 2.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $278 | $0 | $278 | 14.99% |
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 | 607 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 792 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 527 | $194K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 607 | $183K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 180 | $181K |
| Prescription drug(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 792 | $2.0M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 607 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.