| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 234661007 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $8K | $17K | 11.42% |
| KENNETH W SHOLAR3 | 4608 WESTGROVE COURT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $5K | $356 | $5K | 9.09% |
| PLUMB & ASSOCIATES INC3 | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $956 | $56 | $1K | 1.85% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $734 | $71 | $805 | 1.47% |
| SHERRY SHOLAR3 Filed as: SHERRY E SHOLAR | P.O. BOX 3745 VIRGINIA BEACH, VA 23454 | AFLAC | $648 | — | $648 | 1.19% |
| ROY MANGUM3 | 109 GULLAN SMITHFIELD, VA 23430 | AFLAC | $328 | — | $328 | 0.60% |
| LAWRENCE WAYNE CROCKER3 Filed as: LAWRENCE CROCKER | 212 CHEYENNE RD VIRGINIA BEACH, VA 23462 | AFLAC | $157 | — | $157 | 0.29% |
| BRANDON SHOLAR3 Filed as: BRANDON W SHOLAR | 4608 WESTGROVE COURT VIRGINIA BEACH, VA 23455 | AFLAC | $151 | — | $151 | 0.28% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $144 | — | $144 | 0.26% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $115 | — | $115 | 0.21% |
| USI INSURANCE SERVICES LLC3 | 1007 N ORANGE ST STE 115 WILMINGTON, DE 19801 | AFLAC | $114 | — | $114 | 0.21% |
| SUZANNE RACHELLE CRAWLEY3 | 3829 SOUTH PLAZA TRAIL VIRGINIA BEACH, VA 23452 | AFLAC | $111 | — | $111 | 0.20% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $108 | — | $108 | 0.20% |
| KEVIN E PLUMB3 | 3228 DEER PARK DR VIRGINIA BEACH, VA 23452 | AFLAC | $74 | $15 | $89 | 0.16% |
| VICKY H KRESINSKE3 | 2309 KINGBIRD LN VIRGINIA BEACH, VA 23455 | AFLAC | $47 | — | $47 | 0.09% |
| LORI RICHARDSON3 | 3730 SAPPHIRE DR AUGUSTA, GA 30907 | AFLAC | $46 | — | $46 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $35 | — | $35 | 0.06% |
| ROY MANGUM3 Filed as: ROY W MANGUM | 109 GULLANE SMITHFIELD, VA 23430 | AFLAC | $33 | — | $33 | 0.06% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23509 | AFLAC | $22 | — | $22 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $15 | — | $15 | 0.03% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $12 | — | $12 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA K MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $8 | — | $8 | 0.01% |
| VICKY H KRESINSKE3 | 3625 DUPONT CIR VIRGINIA BEACH, VA 23455 | AFLAC | $4 | — | $4 | 0.01% |
| RUSSELL TINNEY3 | 3440 TORRINGTON WAY APT 7 FAYETVILLE, NC 28314 | AFLAC | $4 | — | $4 | 0.01% |
| LINDSEY JO MARTIN3 | 1450 N ULMER ST GREENWOOD, AR 72936 | AFLAC | $2 | — | $2 | 0.00% |
| JEANNETTE FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $1 | — | $1 | 0.00% |
| SHEILA L RAITCH3 Filed as: SHEILA RAITCH | 5524 LIBER CT GAINESVILLE, VA 20155 | 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% |
| JEFFERY S GIBSON3 Filed as: JEFFERY SCOTT GIBSON | 3009 HUNTON COTTAGE LN STE 220 GLEN ALLEN, VA 23059 | AFLAC | $1 | — | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.89% |
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 | 209 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTIMA BEHAVIORAL HEALTH SERVICES, INC. | 230 | $3K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $145K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 160 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $192K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 212 | $192K |
| Other | AFLAC | 50 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.