| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK FALLS CHURCH, VA 22042 | AETNA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 0.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 1.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203508 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 1.24% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | COMPANION LIFE INSURANCE COMPANY | $17K | $0 | $17K | 16.70% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BENEFITS COMPENSATION | 425 STATE STREET, SUITE 307 BRISTOL, VA 24201 | COMPANION LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.86% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 22.42% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $938 | $0 | $938 | 1.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $41 | $4K | 5.82% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, 8TH FLOOR CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $41 | $2K | 2.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $627 | $627 | 0.91% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST, SUITE 300 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $334 | $334 | 0.49% |
| LARRY W OWEN3 Filed as: LARRY W. OWEN | PO BOX 783 SALEM, VA 24153 | AFLAC | $3K | $0 | $3K | 9.41% |
| JUSTIN W DAVIS3 Filed as: JUSTIN W. DAVIS AND OTHER AGENTS | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $462 | $0 | $462 | 1.50% |
| KEVIN L MARTIN3 Filed as: KEVIN L. MARTIN | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $244 | $0 | $244 | 0.79% |
| AUBREY W DAMRON3 Filed as: AUBREY W. DAMRON | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $177 | $0 | $177 | 0.58% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | AFLAC | $139 | $0 | $139 | 0.45% |
| JOHN A HAWLEY3 Filed as: JOHN A. HAWLEY | 116 PICKENS COURT KINGSPORT, TN 37663 | AFLAC | $133 | $0 | $133 | 0.43% |
| MELVIN R JONES3 Filed as: MELVIN R. JONES | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $94 | $0 | $94 | 0.31% |
| USI INSURANCE SERVICES LLC3 | 310 1ST STREET SW, SUITE 1250 ROANOKE, VA 24011 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 4.06% |
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SUITE 1402 ROANOKE, VA 24011 | AMERITAS LIFE INSURANCE CORPORATION | $243 | $0 | $243 | 0.94% |
| USI INSURANCE SERVICES LLC3 | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $122 | $122 | 0.47% |
| USI INSURANCE SERVICES LLC3 | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 1.16% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | 2300 RENAISSANCE BOULEVARD KING PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 1.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.08% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NACHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.08% |
| TRIVETT WINGO4 | PO BOX 303395 AUSTIN, TX 78703 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $182 | $0 | $182 | 5.94% |
| EMILIE A. DAVIS4 | 17 LINK ROAD LEXINGTON, VA 24450 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $42 | $0 | $42 | 1.37% |
| JUDITH S. BAKER4 | 3434 STONEHENGE SQUARE ROANOKE, VA 24018 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $35 | $0 | $35 | 1.14% |
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 | 652 | 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) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 493 | $3.1M |
| Dental | DELTA DENTAL OF VIRGINIA | 512 | $151K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 565 | $26K |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 438 | $146K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 233 | $101K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $69K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 493 | $3.1M |
| Other(7 contracts, 6 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 701 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.