| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 Filed as: TFA BENEFIT | 397 LITTLE NECK RD 3300 BLDG #108 VIRGINIA BEACH, VA 234525765 | OPTIMA | $2K | $0 | $2K | 0.74% |
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BLDG #108 VIRGINIA BEACH, VA 234525765 | OPTIMA HEALTH PLAN | $1K | $0 | $1K | 0.67% |
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BLDG #108 VIRGINIA BEACH, VA 234525765 | OPTIMA | $1K | $0 | $1K | 0.73% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL | $3K | $0 | $3K | 6.42% |
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFITS CONSULTING | PO BOX 31658 RICHMOND, VA 23294 | DELTA DENTAL | $1K | $0 | $1K | 2.61% |
| SENTARA HEALTH PLANS, INC.3 Filed as: SENTARA HEALTH PLANS | 4417 CORPORATION LANE VIRGINIA BEACH, VA 23462 | DELTA DENTAL | $433 | $0 | $433 | 0.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INS. CO. | $1K | $377 | $2K | 13.87% |
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFIT CONSULTING | PO BOX 31658 RICHMOND, VA 23294 | LINCOLN NATIONAL LIFE INS. CO. | $523 | $0 | $523 | 4.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INS. CO. | $1K | $285 | $1K | 13.28% |
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFIT CONSULTING | PO BOX 31658 RICHMOND, VA 23294 | LINCOLN NATIONAL LIFE INS. CO. | $437 | $0 | $437 | 4.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INS. CO. | $853 | $255 | $1K | 11.75% |
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFIT CONSULTING | PO BOX 31658 RICHMOND, VA 23294 | LINCOLN NATIONAL LIFE INS. CO. | $294 | $0 | $294 | 3.12% |
| USI INSURANCE SERVICES LLC3 | 101 W MAIN ST STE 900 NORFOLK, VA 235101653 | VISION SERVICE PLAN | $440 | $0 | $440 | 5.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LINCOLN NATIONAL LIFE INS. CO. | $775 | $183 | $958 | 13.67% |
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFIT CONSULTING | PO BOX 31658 RICHMOND, VA 23294 | LINCOLN NATIONAL LIFE INS. CO. | $276 | $0 | $276 | 3.94% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OPTIMA | 93 | $600K |
| Dental | DELTA DENTAL | 170 | $48K |
| Vision | VISION SERVICE PLAN | 91 | $8K |
| Life insurance | LINCOLN NATIONAL LIFE INS. CO. | 167 | $9K |
| Short-term disability | LINCOLN NATIONAL LIFE INS. CO. | 30 | $13K |
| Long-term disability | LINCOLN NATIONAL LIFE INS. CO. | 27 | $10K |
| Other(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 167 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.