| 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 | ATTN MID ATLANTIC P.O. BOX 61007 VIRGINIA BEACH, VA 234661007 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $3K | $22K | 11.43% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $4K | — | $4K | 2.25% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $15K | $24K | 16.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $2K | — | $2K | 2.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH INSURANCE COMPANY | $2K | — | $2K | 2.21% |
| KENNETH W SHOLAR3 Filed as: KENNETH SHOLAR | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $4K | $43 | $4K | 7.46% |
| PLUMB & ASSOCIATES INC3 | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $809 | $9 | $818 | 1.53% |
| SHERRY SHOLAR3 | P.O. BOX 3745 VIRGINIA BEACH, VA 23454 | AFLAC | $777 | — | $777 | 1.46% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $625 | $8 | $633 | 1.19% |
| ROY MANGUM3 | 109 GULLAN SMITHFIELD, VA 23430 | AFLAC | $382 | — | $382 | 0.72% |
| BRANDON SHOLAR3 | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $178 | — | $178 | 0.33% |
| LAWRENCE WAYNE CROCKER3 Filed as: LAWRENCE CROCKER | 212 CHEYENNE RD VIRGINIA BEACH, VA 23462 | AFLAC | $171 | — | $171 | 0.32% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $152 | — | $152 | 0.28% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $131 | — | $131 | 0.25% |
| USI INSURANCE SERVICES LLC3 | 1007 N ORANGE ST STE 115 WILMINGTON, DE 19801 | AFLAC | $121 | — | $121 | 0.23% |
| SUZANNE RACHELLE CRAWLEY3 Filed as: SUZANNE CRAWLEY | 3829 SOUTH PLAZA TRAIL VIRGINIA BEACH, VA 23452 | AFLAC | $113 | — | $113 | 0.21% |
| SHAWN STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $111 | — | $111 | 0.21% |
| VICKY H KRESINSKE3 Filed as: VICKY KRESINSKE | 3625 DUPONT CIR VIRGINIA BEACH, VA 23455 | AFLAC | $54 | — | $54 | 0.10% |
| LORI RICHARDSON3 | 3730 SAPPHIRE DR AUGUSTA, GA 30907 | AFLAC | $50 | — | $50 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $37 | — | $37 | 0.07% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $25 | — | $25 | 0.05% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $17 | — | $17 | 0.03% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL ALBA, VA 23113 | AFLAC | $13 | — | $13 | 0.02% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $9 | — | $9 | 0.02% |
| AMELIA MORGAN3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $3 | — | $3 | 0.01% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $2 | — | $2 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $2 | — | $2 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $2 | — | $2 | 0.00% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | AFLAC | $1 | — | $1 | 0.00% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETVILLE, NC 28314 | AFLAC | $1 | — | $1 | 0.00% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 804 MORREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.88% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 214 | $2.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $140K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 140 | $16K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 225 | $193K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 225 | $193K |
| Other | AFLAC | 53 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.