| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 484 COX ROAD, SUITE 150 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $26K | $15K | $40K | 17.07% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.39% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $777 | $0 | $777 | 1.50% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $588 | $0 | $588 | 1.13% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $265 | $0 | $265 | 0.51% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW JOHNSON | 11310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | $0 | $191 | 0.37% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 293 INDEPENDENCE BOULEVARD, STE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 0.22% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS ROAD GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.12% |
| MJ INSURANCE3 Filed as: DUANE A. ADAMS AND VARIOUS AGENTS | 11520 NUCKOLS ROAD, SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.09% |
| 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 | $12 | $0 | $12 | 0.02% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | 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 | $0 | $55 | $55 | — |
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 | 397 | 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) | 397 | 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 | 595 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 399 | $236K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 399 | $236K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 399 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.