| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN RESTON, VA 20190 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $157K | $6K | $163K | 8.86% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | UNKNOWN RESTON, VA 20190 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$95 | $0 | -$95 | -0.01% |
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK DRIVE, SUITE 400 FALLS CHURCH, VA 22042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $2K | $11K | 3.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $15K | $4K | $19K | 7.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.25% |
| JOHN DAVID BODKER3 Filed as: JOHN DAVID BODKER II | 11415 SPRIGHTLY LANE SAN ANTONIO, TX 78254 | AFLAC | $171 | $0 | $171 | 3.65% |
| KATHRYN ANDERSON3 Filed as: KATHRYN A. ANDERSON | 4336 EAST MORNING VISTA LANE CAVE CREEK, AZ 85331 | AFLAC | $150 | $0 | $150 | 3.20% |
| MJ INSURANCE3 Filed as: DAVID N. MORGAN AND VARIOUS AGENTS | 240 BEVERLY HILLS CIRCLE, SUITE 532 LYNCHBURG, VA 24502 | AFLAC | $79 | $0 | $79 | 1.69% |
| JASON BODKER3 Filed as: JASON D. BODKER | 11230 WEST AVENUE, SUITE 2209 SAN ANTONIO, TX 78213 | AFLAC | $72 | $0 | $72 | 1.54% |
| ROBERT A ANDERSON3 Filed as: ROBERT A. ANDERSON | 13710 GENERAL GEARY COURT FREDERICKSBURG, VA 22407 | AFLAC | $36 | $0 | $36 | 0.77% |
| GARY W GREENE3 Filed as: GARY W. GREENE | 505 GOLF VIEW DRIVE GREENVILLE, NC 27834 | AFLAC | $22 | $0 | $22 | 0.47% |
| SARAH Y ZACCARO3 Filed as: SARAH Y. ZACCARO | PO BOX 91531 MOBILE, AL 36691 | AFLAC | $22 | $0 | $22 | 0.47% |
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 | 459 | 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) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 566 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 396 | $324K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL SERVICE ASSOCIATION | 366 | $118K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 459 | $289K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 459 | $289K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 566 | $1.9M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 459 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.