| 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 | $8K | $25K | $32K | 2.47% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 1405 GARWOOD AVENUE VIRGINIA BEACH, VA 23455 | AFLAC | $9K | $568 | $10K | 10.65% |
| ANDREA L SHERMAN3 Filed as: ANDREA L. SHERMAN | 1348 FIVE FORKS ROAD VIRGINIA BEACH, VA 23455 | AFLAC | $2K | $125 | $2K | 2.60% |
| ANITA BUECHLER3 Filed as: ANITA BUECHLER BENEFIT SOL LLC | 1000 RABBIT RUN CHESAPEAKE, VA 23320 | AFLAC | $678 | $0 | $678 | 0.74% |
| PLUMB & ASSOCIATES INC3 | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $524 | $0 | $524 | 0.57% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW D. JOHNSON | 1310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $490 | $0 | $490 | 0.54% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $470 | $0 | $470 | 0.52% |
| NICHOLAS WAGNER3 | 1508 BACK COVE ROAD VIRGINIA BEACH, VA 23454 | AFLAC | $195 | $23 | $218 | 0.24% |
| STEPHEN C. LANZA JR & OTHER AGENTS3 | 2100 RIVER HAVEN DRIVE, SUITE 230 HOOVER, AL 35244 | AFLAC | $183 | $0 | $183 | 0.20% |
| KATHERINE MOORE3 | 5269 GREENWICH ROAD, SUITE 100 VIRGINIA BEACH, VA 23462 | AFLAC | $136 | $0 | $136 | 0.15% |
| TERRY M. GRIFFIN3 | 10171 HIGHWAY 17 MAYLENE, AL 35114 | AFLAC | $81 | $0 | $81 | 0.09% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW D. JOHNSON AND OTHER AGENTS | 1310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $32 | $0 | $32 | 0.04% |
| KEVIN E PLUMB3 Filed as: KEVIN E. PLUMB | 3228 DEER PARK DRIVE VIRGINIA BEACH, VA 23452 | AFLAC | $9 | $0 | $9 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 16.93% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $64K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $64K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $1.3M |
| Other(3 contracts, 3 carriers) | AFLAC | 131 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.