| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | WORLD TRADE CENTER 101 W. MAIN ST SUITE 900 NORFOLK, VA 23510 | AETNA LIFE INSURANCE CO | $49K | — | $49K | 4.77% |
| BRUCE J MEYER3 | 212 80TH ST VIRGINIA BEACH, VA 23451 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 0.45% |
| USI INSURANCE SERVICES LLC3 | WORLD TRADE CENTER 101W. MAIN ST SUITE 900 NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 8.21% |
| BRUCE J MEYER Filed as: BRUCE J. MEYER | 212 80TH STREET VIRGINIA BEACH, VA 23451 | DELTA DENTAL OF VIRGINIA | $220 | — | $220 | 0.42% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYE MED | $428 | — | $428 | 7.30% |
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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 89 | $1.0M |
| Dental | DELTA DENTAL OF VIRGINIA | 153 | $53K |
| Vision | EYE MED | 88 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.