| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 277 BENDIX ROAD, SUITE 500 CONVERGANCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH INSURANCE COMPANY | $6K | $0 | $6K | 0.81% |
| CORPORATION OF AMERICA3 | 1410 SPRING HILL ROAD, SUITE 150 MCLEAN, VA 22102 | OPTIMA HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 0.61% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS CORPORATION | UNKNOWN MCLEAN, VA 22102 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $1K | $5K | 5.98% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE GROUP | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $195 | $4K | 4.79% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | UNKNOWN TINTON FALLS, NJ 07701 | UNITED CONCORDIA INSURANCE COMPANY | $718 | $0 | $718 | 0.85% |
| EASTERN BENEFITS GROUP3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | VISION SERVICE PLAN | $804 | $0 | $804 | 4.01% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE GROUP | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $343 | $0 | $343 | 1.71% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $135 | $0 | $135 | 0.67% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES, INC. | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, MA 23452 | METROPOLITAN LIFE INSURANCE COMPANY | $851 | $0 | $851 | 4.42% |
| EASTERN BENEFITS GROUP3 | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $737 | $0 | $737 | 3.83% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 500 TREAT AVENUE, SUITE 200 SAN FRANCISCO, CA 94110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $210 | $210 | 1.09% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 100 WOOD AVENUE SOUTH, SUITE 400 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $172 | $0 | $172 | 0.89% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTIMA HEALTH INSURANCE COMPANY | 199 | $781K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 208 | $85K |
| Vision | VISION SERVICE PLAN | 126 | $20K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 138 | $19K |
| Prescription drug | OPTIMA HEALTH INSURANCE COMPANY | 199 | $781K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.