| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $1K | $1K | 0.91% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 11.71% |
| SUZANNE R BROSEMER3 | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $227 | $4K | 6.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS SERVICES INC | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $511 | $0 | $511 | 0.86% |
| ELIZABETH KOENIG3 Filed as: ELIZABETH KOEING | PO BOX 239 PISAGAH FOREST, NC 28768 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $0 | $439 | 0.74% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALEIGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $341 | $47 | $388 | 0.65% |
| JOHN E CUMMINGS3 Filed as: JOHN E CUMMINGS AND OTHER AGNETS | 1239 OCEAN SHORE BOULEVARD APARTMENT 5A ORMOND BEACH, FL 32176 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $283 | $0 | $283 | 0.48% |
| JASON DOUGLAS WISE3 | 8257 PRIMANTI BOULEVARD RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $167 | $0 | $167 | 0.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $81 | $81 | 0.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.10% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SENTARA ADVANTAGE POS MC | 112 | $2.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 333 | $115K |
| Vision | VISION SERVICE PLAN | 150 | $42K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $47K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $47K |
| Prescription drug(2 contracts, 2 carriers) | SENTARA ADVANTAGE POS MC | 112 | $2.8M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 36 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.