| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 | 3300 BLDG VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $0 | $14K | 17.95% |
| TIFANNY GODLEY SMITH3 | 397 LITTLE NECK RD 3300 BLDG VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 10.98% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $944 | $4K | 4.56% |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PLACE SUITE 440 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.47% |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PLACE SUITE 110 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| 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 PL STE 440 RICHMOND, VA 235101653 | VISION SERVICE PLAN | $911 | $0 | $911 | 6.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 ADMIN | Claims processing Service code 12 | — | $18K |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 124 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 224 | $26K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 96 | $77K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $24K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 224 | $120K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.