| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC | 303 E BURWELL STREET SALEM, VA 24153 | OPTIMA HEALTH INSURANCE COMPANY | $4K | — | $4K | 2.73% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC | 303 E BURWELL STREET SALEM, VA 24153 | OPTIMA HEALTH INSURANCE COMPANY | $4K | — | $4K | 4.22% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 E BURWELL STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $768 | — | $768 | 10.00% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | 303 EAST BURWELL STREET SALEM, VA 24153 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $553 | — | $553 | 7.79% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS, INC. | PO BOX 61007 VIRGINIA BEACH, VA 23466 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $159 | — | $159 | 2.24% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 E BURWELL STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | $138 | $704 | 12.44% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 E BURWELL STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $498 | — | $498 | 10.00% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 E BURWELL STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $414 | $110 | $524 | 12.66% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS SOLUTIONS INC | 303 E BURWELL STREET SALEM, VA 24153 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $220 | — | $220 | 10.01% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | OPTIMA HEALTH INSURANCE COMPANY | 107 | $257K |
| Dental | DELTA DENTAL OF VIRGINIA | 224 | $53K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 135 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $10K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $5K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.