| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P O BOX 203491 DALLAS, TX 75320 | DELTA DENTAL OF VIRGINIA | $125K | $0 | $125K | 3.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8331 NORMAN CENTER DRIVE SUITE 500 MINNEAPOLIS, MN 55413 | DELTA DENTAL OF VIRGINIA | $96K | $0 | $96K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 NORTH CAROLINA LOCKBOX DALLAS, TX 75320 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347K | $68K | $416K | 18.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $83K | $0 | $83K | 4.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203510 DALLAS, TX 75320 | AETNA LIFE INSURANCE COMPANY | $84K | $0 | $84K | 5.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1753 PINNACLE DRIVE MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $292K | $27K | $319K | 49.46% |
| DIRECTPATH, LLC3 | 120 18T STREET SOUTH SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 1.72% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 230 WEST MONROE STREET SUITE 1950 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $141 | $141 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 22042 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $0 | $49K | 9.15% |
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 | 5,971 | 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) | 5,971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 1,613 | $3.4M |
| Dental | DELTA DENTAL OF VIRGINIA | 9,083 | $3.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 5,027 | $531K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,337 | $2.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,337 | $2.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,337 | $2.2M |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE COMPANY | 1,613 | $3.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,655 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,083 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.