| 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 | 1.00% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $998 | $4K | 9.51% |
| SUZANNE R BROSEMER3 Filed as: SUZANNE R. BROSEMER | 6889 WOODVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $131 | $3K | 5.83% |
| ARTHUR WAYNE JORDAN JR3 | 514 OAKWOOD AVENUE RALIEGH, NC 27601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $591 | $198 | $789 | 1.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP NORFOLK, VA 20110 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $723 | $3 | $726 | 1.65% |
| JOHN E CUMMINGS3 Filed as: JOHN E. CUMMINGS | 1239 OCEAN SHORE BOULEVARD SUITE 5A ORMOND BEACH, FL 32176 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $0 | $172 | 0.39% |
| MJ INSURANCE3 Filed as: JASN DOUGLAS WISE & VARIOUS AGENTS | 8257 PRIMANTI BOULEVARD RALEIGH, NC 27612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $0 | $169 | 0.38% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | $0 | $138 | 0.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $101 | $101 | 0.83% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA ADVANTAGE POS M/C | 176 | $2.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 291 | $106K |
| Vision | VISION SERVICE PLAN | 121 | $36K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 18 | $12K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA ADVANTAGE POS M/C | 176 | $2.3M |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 31 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.