| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $52K | $24K | $76K | 8.43% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $11K | $3K | $14K | 4.17% |
| BOWLES ASSOC INC3 Filed as: BOWLES & ASSOCIATES INC | PO BOX 700 FORK UNION, VA 23055 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42K | $0 | $42K | 16.03% |
| TODD ROSE INSURNACE AGENCY INC3 | 1801 SOUTH CHURCH STREET SUITE 1 SMITHFIELD, VA 23430 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | $0 | $15K | 5.89% |
| JAMES E. PERKINS3 | 2205 LONG DRIVE ROCKVILLE, VA 23146 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 3.76% |
| USI INSURANCE SERVICES LLC3 | 11350 MCCORMICK ROAD, SUITE 1203 HUNT VALLEY, MD 21031 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $758 | $5K | 5.92% |
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 | 769 | 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) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,001 | $336K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,029 | $83K |
| Life insurance | STANDARD INSURANCE COMPANY | 769 | $901K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 248 | $260K |
| Long-term disability | STANDARD INSURANCE COMPANY | 769 | $901K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 769 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,029 | — |
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.