| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | AETNA LIFE INSURANCE COMPANY | $10K | $14K | $24K | 9.13% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | COMPANION LIFE INSURANCE COMPANY | $16K | $0 | $16K | 12.04% |
| TRUSTPOINT BENEFITS & COMPENSATION3 | 16 CHURCH AVENUE ROANOKE, VA 24011 | COMPANION LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.96% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $2K | $36K | 35.32% |
| BENEFICIAL ASSOCIATES, INC.3 | PO BOX 532 FOREST, VA 24551 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 32.03% |
| BENEFICIAL ASSOCIATES, INC.3 Filed as: BENEFICIAL ASSOCIATES | 115 GOLDENROD PLACE LYNCHBURG, VA 24502 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 8.03% |
| LARRY W OWEN3 Filed as: LARRY W. OWEN | 2101 STONE MILL DRIVE SALEM, VA 24153 | AFLAC | $2K | $0 | $2K | 8.95% |
| MELVIN R JONES3 Filed as: MELVIN R. JONES AND OTHER AGENTS | 3025 ELIOCH MANOR DRIVE POWHATAN, VA 23139 | AFLAC | $292 | $0 | $292 | 1.50% |
| KEVIN L MARTIN3 Filed as: KEVIN L. MARTIN | 1534 LINKS VIEW DRIVE SALEM, VA 24153 | AFLAC | $156 | $0 | $156 | 0.80% |
| JACKSON D RHODES3 Filed as: JACKSON D. RHODES | 2332 VOLUNTEER PARKWAY BRISTOL, TN 37620 | AFLAC | $80 | $0 | $80 | 0.41% |
| AUBREY W DAMRON3 Filed as: AUBREY W. DAMRON | 355 STONELEDGE DRIVE ROANOKE, VA 24019 | AFLAC | $78 | $0 | $78 | 0.40% |
| JOHN A HAWLEY3 Filed as: JOHN A. HAWLEY | 575 DOBBINS HOLLOW ROAD NE PILOT, VA 24138 | AFLAC | $69 | $0 | $69 | 0.35% |
| DEBBIE S COLLINS3 Filed as: DEBBIE S. COLLINS | 2945 GREEN HILL DRIVE SALEM, VA 24153 | AFLAC | $67 | $0 | $67 | 0.34% |
| USI INSURANCE SERVICES LLC3 | 613 RIVER PARK ROAD BELMONT, NC 28012 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 1.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 1.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 601478 CHARLOTTE, NC 28260 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.15% |
| DANIEL MACLELLAN3 | PO BOX 58434 NASHVILLE, TN 37205 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.15% |
| TRIVETT WINGO4 | 1218 SOUTH WALTERS STREET SAN ANTONIO, TX 78210 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $74 | $0 | $74 | 4.68% |
| EMILIE A. DAVIS4 | 17 LINK ROAD LEXINGTON, VA 24450 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | $0 | $33 | 2.09% |
| JUDITH S. BAKER4 | 3434 STONEHENGE SQUARE ROANOKE, VA 24018 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $32 | $0 | $32 | 2.02% |
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 | 731 | 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) | 731 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 680 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 731 | $260K |
| Vision | AETNA LIFE INSURANCE COMPANY | 731 | $260K |
| Life insurance(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 653 | $177K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 285 | $131K |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 653 | $83K |
| Prescription drug | AETNA HEALTH, INC. | 680 | $2.9M |
| Other(8 contracts, 8 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,074 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,074 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.