| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFITS CONSULTING GROUP, LLC | PO BOX 31658 RICHMOND, VA 23294 | DELTA DENTAL OF VIRGINIA | — | — | $0 | 0.00% |
| SENTARA HEALTH PLANS, INC.3 | 4417 CORPORATION LANE VIRGINIA BEACH, VA 23462 | DELTA DENTAL OF VIRGINIA | — | — | $0 | 0.00% |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PLACE SUITE 440 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PLACE SUITE 440 RICHMOND, VA 23230 | UNUM INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFITS CONSULTING GROUP, LLC | 6802 PARAGON PLACE SUITE 440 RICHMOND, VA 23230 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 12.61% |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PLACE SUITE 440 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.78% |
| SIMA BENEFITS CONSULTING GROUP3 | P.O. BOX 31658 RICHMOND, VA 23294 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PL STE 440 RICHMOND, VA 235101653 | VISION SERVICE PLAN | $588 | $0 | $588 | 8.84% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 244 | $31K |
| Vision | VISION SERVICE PLAN | 135 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $19K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $23K |
| Other(3 contracts, 3 carriers) | UNUM INSURANCE COMPANY OF AMERICA | 79 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.