| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 | 3300 BLDG VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 11.14% |
| TIFANNY GODLEY SMITH3 | 397 LITTLE NECK RD 3300 BLDG VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | 10.03% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT LI INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $366 | $2K | 3.40% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE INSURANCE AGENCY | 3 COMMERCIAL PLACE NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | $0 | $100 | 0.15% |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PLACE SUITE 110 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $172 | $4K | 11.77% |
| MILLENGROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.79% |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PL STE 440 RICHMOND, VA 235101653 | VISION SERVICE PLAN | $482 | $0 | $482 | 4.09% |
| MILLENGROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | VISION SERVICE PLAN | $308 | $0 | $308 | 2.61% |
| MILLENGROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | DELTA DENTAL OF VIRGINIA | $10K | $0 | $10K | — |
| SIMA BENEFITS CONSULTING GROUP3 | PO BOX 31658 RICHMOND, VA 23294 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | — |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PLACE SUITE 440 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | — |
| SIMA BENEFITS CONSULTING GROUP3 | 6802 PARAGON PLACE SUITE 440 RICHMOND, VA 23230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | — |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 144 | $0 |
| Vision | VISION SERVICE PLAN | 80 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $0 |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 52 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $31K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 52 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.