| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3727 NORFOLK, VA 23514 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 9.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKKNOWN NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $362 | $10K | 11.68% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 22.34% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 3190 FAIRVIEW PARK DRIVE SUITE 400 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 14.99% |
| MICKEY J GEBO3 Filed as: MICKEY JOHN GEBO | 480 LOUD ROAD FAIRPORT, NY 14450 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $456 | $0 | $456 | 1.55% |
| GLANDON INSURANCE AGENCY INC3 Filed as: GLANDON INSURANCE AGENCY, INC. | 1100 LASKIN ROAD, SUITE 200 VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.06% |
| BRENT LUCY3 | 201 DEXTER STREET WEST, SUITE 103 CHESAPEAKE, VA 23324 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.06% |
| ROY MANGUM3 | 7018 ELLINGTON FARM LANE MINT HILL, NC 28227 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $171K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 240 | $85K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 34 | $29K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $171K |
| Prescription drug | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $171K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 102 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.