| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SENTARA HEALTH PLAN | $17K | $0 | $17K | 3.19% |
| USI INSURANCE SERVICES LLC3 | 300 CORPORATE CENTER DRIVE SUITE 303 CAMP HILL, PA 17011 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $18K | 21.11% |
| THE CASON GROUP INC3 | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 9.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 5.53% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SVCS. INC. | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | DELTA DENTAL OF VIRGINIA | $214 | $0 | $214 | 0.53% |
| SUSIE A ESTRADA3 Filed as: SUSIE A. ESTRADA | 25742 PARK AVENUE SAN JUAN CAPISTRANO, CA 92675 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $438 | $4K | 9.90% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD TORRANCE, CA 90503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $36 | $1K | 3.21% |
| G SCOTT COOKE3 Filed as: SCOTT C. CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $851 | $0 | $851 | 2.30% |
| RALPH F REA JR3 Filed as: RALPH F. REA JR. | 84 VIA BARCELONA RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $682 | $0 | $682 | 1.84% |
| NONSTOP ADMINISTRATION & INSURANCE3 Filed as: NONSTOP ADMIN. AND INS. SVCS. INC. | 1800 SUTTER STREET, SUITE 730 CONCORD, CA 94520 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $551 | $0 | $551 | 1.49% |
| JOHN D EVANGELISTA3 Filed as: JOHN D. EVANGELISTA | 186 LAS FLORES ALISO VIEJO, CA 92656 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $39 | $125 | 0.34% |
| LAMBERT MONTALBO AND OTHER AGENTS3 | 26197 MIRADA STREET HIGHLAND, CA 92346 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $68 | $0 | $68 | 0.18% |
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 | 86 | 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) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SENTARA HEALTH PLAN | 94 | $546K |
| Dental | DELTA DENTAL OF VIRGINIA | 99 | $41K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $87K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $87K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $37K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $87K |
| Prescription drug | SENTARA HEALTH PLAN | 94 | $546K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.