| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BESKIN-DIVERS INS GROUP3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 234521179 | OPTIMA HEALTH INSURANCE COMPANY | $10K | — | $10K | 4.05% |
| BESKIN-DIVERS INS GROUP3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 234521179 | OPTIMA HEALTH INSURANCE COMPANY | $5K | — | $5K | 5.50% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE GROUP | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $183 | $3K | 8.79% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INS AGENCY INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 234521179 | VISION SERVICE PLAN | $681 | — | $681 | 8.00% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $108 | — | $108 | 1.27% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN & ASSOCIATES INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 234521179 | METROPOLITAN LIFE INSURANCE COMPANY | $492 | — | $492 | 12.03% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVE STE 200 SAN FRANCISCO, CA 941102068 | METROPOLITAN LIFE INSURANCE COMPANY | — | $126 | $126 | 3.08% |
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 | 135 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH INSURANCE COMPANY | 145 | $334K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 245 | $37K |
| Vision | VISION SERVICE PLAN | 138 | $9K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 77 | $4K |
| Prescription drug(2 contracts) | OPTIMA HEALTH INSURANCE COMPANY | 145 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.