| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $3K | $32K | 11.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.77% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.28% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $686 | $0 | $686 | 2.42% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $350 | $0 | $350 | 1.24% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 293 INDEPENDENCE BOULEVARD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $0 | $187 | 0.66% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155 | $0 | $155 | 0.55% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | $0 | $99 | 0.35% |
| MJ INSURANCE3 Filed as: DUANE A. ADAMS AND VARIOUS AGENTS | 11520 NUCKSOL ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | $0 | $83 | 0.29% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $730 | $0 | $730 | 4.30% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $391 | $0 | $391 | 2.30% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $339 | $0 | $339 | 2.00% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $282 | $0 | $282 | 1.66% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 293 INDEPENDENCE BOULEVARD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.19% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS AND OTHER AGENTS | 2325 SEA SHELL ROAD, SUITE 304 VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.13% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.10% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $584 | $0 | $584 | 5.63% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $148 | $0 | $148 | 1.43% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | $0 | $120 | 1.16% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 293 INDEPENDENCE BOULEVARD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.27% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.23% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.14% |
| MJ INSURANCE3 Filed as: DUANE A. ADAMS AND VARIOUS AGENTS | 11520 NUCKSOL ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.13% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $683 | $0 | $683 | 10.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $97 | $97 | — |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $7K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 579 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $276K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 390 | $276K |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 412 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 579 | — |
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.