| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $16K | $16K | 1.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $9K | $9K | 0.66% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 14.57% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARWOOD AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $7K | $404 | $7K | 15.11% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $2K | $94 | $2K | 3.23% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW D. JOHNSON | 1310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $528 | $0 | $528 | 1.07% |
| ANITA BUECHLER3 Filed as: ANITA BUECHLER BENEFIT SOL LLC | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $444 | $0 | $444 | 0.90% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $261 | $0 | $261 | 0.53% |
| KEVIN E PLUMB3 Filed as: KEVIN E. PLUMB | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $59 | $11 | $70 | 0.14% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARWOOD AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $2K | $300 | $3K | 10.51% |
| PLUMB & ASSOCIATES INC3 | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $536 | $70 | $606 | 2.49% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $428 | $70 | $498 | 2.05% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $172 | $0 | $172 | 0.71% |
| ANITA BUECHLER3 Filed as: ANITA BUECHLER BENEFIT SOL LLC | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $171 | $0 | $171 | 0.70% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $168 | $0 | $168 | 0.69% |
| KATHERINE MOORE3 | 5269 GREENWICH ROAD, SUITE 100 VIRGINIA BEACH, VA 23462 | AFLAC | $92 | $0 | $92 | 0.38% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARWOOD AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $430 | $11 | $441 | 6.05% |
| ANITA BUECHLER3 Filed as: ANITA BUECHLER BENEFIT SOL LLC | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $89 | $0 | $89 | 1.22% |
| PLUMB & ASSOCIATES INC3 | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $76 | $3 | $79 | 1.08% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $61 | $3 | $64 | 0.88% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $46 | $0 | $46 | 0.63% |
| KATHERINE MOORE3 | 5269 GREENWICH ROAD, SUITE 100 VIRGINIA BEACH, VA 23462 | AFLAC | $38 | $0 | $38 | 0.52% |
| MJ INSURANCE3 Filed as: ANDREW D. JOHNSON & VARIOUS AGENTS | 1310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $19 | $0 | $19 | 0.26% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $66K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $66K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 137 | $1.3M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 137 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.