| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $41K | $0 | $41K | 2.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN VIRGINIA BEACH, VA 23451 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $1K | $12K | 5.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3190 FAIRVEIW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32K | $0 | $32K | 15.96% |
| VINCE THOMAS CALLAHAN3 | 6804 ATLANTIC AVENUE VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 8.32% |
| DANNY R. OSTER3 Filed as: DANNY R OSTER | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.20% |
| ROSS G. WINFIELD3 Filed as: ROSS G WINFIELD | 397 LITTLE NECK ROAD THE 3300 BUILDING, SUITE 200 VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $908 | $0 | $908 | 0.46% |
| JOHN DOTEN3 | 6003 POURING GLORIES WAY CLARKSVILLE, MD 21029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $419 | $0 | $419 | 0.21% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY MARK SIMMONS | 5405 STANWOOD WAY GLEN ALLEN, VA 23059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | $0 | $91 | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OHIC PPO | $3K | $0 | $3K | 1.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3190 FAIRVEIW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | ALLSTATE WORKPLACE DIVISION | $3K | $0 | $3K | 15.79% |
| DANNY R. OSTER3 Filed as: DANNY R OSTER | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | ALLSTATE WORKPLACE DIVISION | $551 | $0 | $551 | 3.38% |
| VINCE THOMAS CALLAHAN3 | 6804 ATLANTIC AVENUE VIRGINIA BEACH, VA 23451 | ALLSTATE WORKPLACE DIVISION | $551 | $0 | $551 | 3.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $670 | $2K | 17.92% |
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 | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 340 | $2.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 397 | $210K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 411 | $11K |
| Prescription drug(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 340 | $2.1M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 411 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.