| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3190 FAIRVIEW PARK FALLS CHURCH, VA 22042 | AETNA LIFE INSURANCE COMPANY | $6K | $14K | $20K | 0.72% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.92% |
| BENEFICIAL ASSOCIATES, INC.3 | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.22% |
| TRUSTPOINT BENEFITS & COMPENSATION3 Filed as: TRUSTPOINT BENEFITS COMPENSATION | 16 CHURCH AVENUE ROANOKE, VA 24011 | COMPANION LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 7.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $412 | $6K | 10.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $260 | $260 | 0.44% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, 8TH FLOOR CHARLOTTE, NC 28210 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.05% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | $0 | $32K | 67.71% |
| LARRY W OWEN3 Filed as: LARRY W. OWEN | PO BOX 783 SALEM, VA 24153 | AFLAC | $2K | $0 | $2K | 9.41% |
| JUSTIN W DAVIS3 Filed as: JUSTIN W. DAVIS AND OTHER AGENTS | 300 LIVE OAK COURT SALEM, VA 24153 | AFLAC | $402 | $0 | $402 | 1.57% |
| KEVIN L MARTIN3 Filed as: KEVIN L. MARTIN | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $199 | $0 | $199 | 0.78% |
| AUBREY W DAMRON3 Filed as: AUBREY W. DAMRON | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $124 | $0 | $124 | 0.49% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | AFLAC | $108 | $0 | $108 | 0.42% |
| JOHN A HAWLEY3 Filed as: JOHN A. HAWLEY | 575 DOBBINS HOLLOW ROAD NE PILOT, VA 24138 | AFLAC | $108 | $0 | $108 | 0.42% |
| MELVIN R JONES3 Filed as: MELVIN R. JONES | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $80 | $0 | $80 | 0.31% |
| USI INSURANCE SERVICES LLC3 | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: TRION GROUP, A MARSH MCLENNAN AGCY. | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $0 | $38 | 1.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.19% |
| DANIEL OWEN MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.19% |
| TRIVETT WINGO4 | 1218 SOUTH WALTERS STREET SAN ANTONIO, TX 78210 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $127 | $0 | $127 | 5.57% |
| EMILIE A. DAVIS4 | 17 LINK ROAD LEXINGTON, VA 24450 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $40 | $0 | $40 | 1.75% |
| JUDITH S. BAKER4 | 3434 STONEHENGE SQUARE ROANOKE, VA 24018 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $35 | $0 | $35 | 1.54% |
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 | 604 | 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) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 515 | $2.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 515 | $2.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 515 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 411 | $146K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 225 | $77K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 411 | $59K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 515 | $2.8M |
| Other(7 contracts, 7 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 604 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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.