| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $37K | — | $37K | 2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH INSURANCE COMPANY | $10K | — | $10K | 2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | MID-ATLANTIC REGION 101 W. MAIN STREET, SUITE 900 NORFOLK, VA 23510 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 10.00% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.08% |
| USI INSURANCE SERVICES LLC3 | 101 WEST MAIN STREET SUITE 900 NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $679 | $9K | 5.96% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $1K | — | $1K | 2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| KENNETH W SHOLAR3 Filed as: KENNETH SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $4K | $202 | $5K | 8.67% |
| SHERRY SHOLAR3 | 461 DAUPHIN LN VIRGINIA BEACH, VA 23452 | AFLAC | $952 | — | $952 | 1.81% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $575 | $40 | $615 | 1.17% |
| ROY MANGUM3 | 109 GULLAN RD SMITHFIELD, VA 23430 | AFLAC | $485 | — | $485 | 0.92% |
| PLUMB & ASSOCIATES INC3 | 3228 DEER PARK RD VIRGINIA BEACH, VA 23452 | AFLAC | $422 | $3 | $425 | 0.81% |
| LAWRENCE WAYNE CROCKER3 Filed as: LAWRENCE CROCKER | 212 CHEYENNE RD VIRGINIA BEACH, VA 23462 | AFLAC | $368 | $37 | $405 | 0.77% |
| BRANDON SHOLAR3 | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $269 | — | $269 | 0.51% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $202 | $10 | $212 | 0.40% |
| USI INSURANCE SERVICES LLC3 | 1007 N ORANGE ST STE 1115 WILMINGTON, DE 19801 | AFLAC | $154 | — | $154 | 0.29% |
| SUZANNE RACHELLE CRAWLEY3 Filed as: SUZANNE CRAWLEY | 3829 SOUTH PLAZA TRAIL VIRGINIA BEACH, VA 23452 | AFLAC | $153 | — | $153 | 0.29% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $144 | — | $144 | 0.27% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $87 | — | $87 | 0.17% |
| VICKY H KRESINSKE3 Filed as: VICKY KRESINSKE | 3625 DUPONT CIR VIRGINIA BEACH, VA 23455 | AFLAC | $70 | — | $70 | 0.13% |
| LORI RICHARDSON3 | 3730 SAPPHIRE DR AUGUSTA, GA 30907 | AFLAC | $61 | — | $61 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $60 | — | $60 | 0.11% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES HILLSR | 9701 GAYTON RD STE 6 RICHMOND, VA 23238 | AFLAC | $46 | — | $46 | 0.09% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $20 | — | $20 | 0.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $862 | — | $862 | 2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.73% |
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 | 211 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 214 | $2.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 358 | $155K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 94 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $214K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $214K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $214K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 199 | $267K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.