| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $36K | — | $36K | 1.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN VIGINIA BEACH, VA 23454 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $12K | — | $12K | 0.63% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HEALTHKEEPERS, INC. | $15K | — | $15K | 2.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | VISION SERVICE PLAN | $2K | — | $2K | 7.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 408 9TH STREET HUNTINGTON, WV 25701 | VISION SERVICE PLAN | $655 | — | $655 | 2.64% |
| ANDREA L DUHON3 Filed as: ANDREA L. DUHON | 1440 SKI LODGE ROAD VIRGINIA BEACH, VA 23453 | AFLAC | $1K | — | $1K | 7.99% |
| JAMES D EDMONDS3 Filed as: JAMES D. EDMONDS | 788 BLACK SWEEP ROAD WARRENTON, VA 20186 | AFLAC | $817 | — | $817 | 4.49% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $573 | — | $573 | 3.15% |
| MJ INSURANCE3 Filed as: DANIEL L. LONG AND VARIOUS AGENTS | 10400 EATON PLACE, SUITE 400 FAIRFAX, VA 22030 | AFLAC | $325 | — | $325 | 1.79% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD, SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $194 | — | $194 | 1.07% |
| CHRISTY LEE CARPENTER3 | 3805 CLIPPER BAY DRIVE VIRGINIA BEACH, VA 23455 | AFLAC | $119 | — | $119 | 0.65% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $92 | — | $92 | 0.51% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 402 | $2.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 402 | $1.9M |
| Vision(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 402 | $2.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 328 | $134K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 328 | $134K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 328 | $134K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 402 | $2.6M |
| Other | AFLAC | 67 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.