| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $25K | $25K | 2.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $7K | $4K | $12K | 14.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $7K | $3K | $10K | 20.80% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARWOOD AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $3K | $2 | $3K | 11.53% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 2325 SEA SHELL ROAD APARTMENT 304 VIRGINIA BEACH, VA 23451 | AFLAC | $2K | $0 | $2K | 7.20% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 2428 ALMEDA AVENUE, SUITE 300 NORFOLK, VA 23513 | AFLAC | $774 | $0 | $774 | 2.65% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW D. JOHNSON | 1310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $360 | $0 | $360 | 1.23% |
| ANITA BUECHLER3 Filed as: ANITA BUECHLER BENEFIT SOL. LLC | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $295 | $0 | $295 | 1.01% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $171 | $0 | $171 | 0.58% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARW00D AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $2K | $2 | $2K | 9.96% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 2325 SEA SHELL ROAD APARTMENT 304 VIRGINIA BEACH, VA 23451 | AFLAC | $1K | $0 | $1K | 5.93% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB AND ASSOCIATES INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $1K | $0 | $1K | 4.69% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 2428 ALMEDA AVENUE, SUITE 300 NORFOLK, VA 23513 | AFLAC | $478 | $0 | $478 | 2.12% |
| ANITA BUECHLER3 Filed as: ANITA BUECHLER BENEFIT SOL. LLC | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $198 | $0 | $198 | 0.88% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $192 | $0 | $192 | 0.85% |
| KATHERINE MOORE3 | 5269 GREENWICH ROAD, SUITE 100 VIRGINIA BEACH, VA 23462 | AFLAC | $106 | $0 | $106 | 0.47% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 2325 SEA SHELL ROAD APARTMENT 304 VIRGINIA BEACH, VA 23451 | AFLAC | $1K | $0 | $1K | 6.46% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARWOOD AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $1K | $0 | $1K | 5.84% |
| KEVIN E PLUMB3 | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $456 | $0 | $456 | 2.56% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW D. JOHNSON | 1310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $342 | $0 | $342 | 1.92% |
| ANITA BUECHLER3 Filed as: ANITA BUECHLER BENEFIT SOL. LLC | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $305 | $0 | $305 | 1.71% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 2428 ALMEDA AVENUE, SUITE 300 NORFOLK, VA 23513 | AFLAC | $294 | $0 | $294 | 1.65% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $174 | $0 | $174 | 0.98% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARWOOD AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $1K | $0 | $1K | 11.56% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 2325 SEA SHELL ROAD APARTMENT 304 VIRGINIA BEACH, VA 23451 | AFLAC | $649 | $0 | $649 | 6.94% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 2428 ALMEDA AVENUE, SUITE 300 NORFOLK, VA 23513 | AFLAC | $241 | $0 | $241 | 2.58% |
| PLUMB & ASSOCIATES INC3 Filed as: PLUMB AND ASSOCIATES INC. | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $218 | $0 | $218 | 2.33% |
| ANITA BUECHLER3 Filed as: ANITA BUECHLER BENEFIT SOL. LLC | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $117 | $0 | $117 | 1.25% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $71 | $0 | $71 | 0.76% |
| MJ INSURANCE3 Filed as: KATHERINE MOORE AND VARIOUS AGENTS | 5269 GREENWICH ROAD, SUITE 100 VIRGINIA BEACH, VA 23462 | AFLAC | $70 | $0 | $70 | 0.75% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 120 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 234 | $79K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 234 | $79K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 146 | $49K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 146 | $49K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 120 | $1.2M |
| Other(6 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 146 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.