| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CONSULTANTS OF VA, INC.3 | 11818 ROCK LANDING DRIVE SUITE 202 NEWPORT NEWS, VA 23606 | OPTIMA HEALTH PLAN | $17K | — | $17K | 3.06% |
| INSURANCE CONSULTANTS OF VA, INC.3 | 11818 ROCK LANDING DRIVE SUITE 202 NEWPORT NEWS, VA 23606 | OPTIMA HEALTH PLAN | $11K | — | $11K | 3.05% |
| INSURANCE CONSULTANTS OF VA, INC.3 | 11818 ROCK LANDING DRIVE SUITE 202 NEWPORT NEWS, VA 23606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.01% |
| RK ASSET MANAGEMENT3 Filed as: ASSET MANAGEMENT GROUP, INC. | 3975 FAIR RIDGE DRIVE SUITE 225N FAIRFAX, VA 22033 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.00% |
| INSURANCE CONSULTANTS OF VA, INC.3 | 11818 ROCK LANDING DRIVE SUITE 202 NEWPORT NEWS, VA 23606 | OPTIMA HEALTH PLAN | $4K | — | $4K | 3.10% |
| INSURANCE CONSULTANTS OF VA, INC.3 | 11818 ROCK LANDING DRIVE SUITE 202 NEWPORT NEWS, VA 23606 | OPTIMA HEALTH INSURANCE COMPANY | $161 | — | $161 | 2.74% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 109 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $144K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $144K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $144K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $144K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $144K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.