| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK ROAD 3300 BLDG, SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $11K | — | $11K | 1.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | OPTIMA HEALTH PLAN | $1K | — | $1K | 0.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 500 E. MAIN STREET NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $1K | — | $1K | 0.17% |
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BLDG, SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH INSURANCE COMPANY | $6K | — | $6K | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BRPWN & BROWN INSURANCE | 500 E MAIN STREET NORFOLK, VA 23510 | OPTIMA HEALTH INSURANCE COMPANY | $804 | — | $804 | 0.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | OPTIMA HEALTH INSURANCE COMPANY | $779 | — | $779 | 0.20% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD BLDG 3300 STE 108 VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $294 | $367 | $661 | 0.81% |
| BRIAN WINFIELD3 Filed as: BRIAN P WINFIELD SR | 397 LITTLE NECK RD STE 222 3300 VIRGINIA BEACH, VA 23452 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.74% |
| LIND C SAWYER3 Filed as: C LIND SAWYER | 616 BENEFIT ROAD CHESAPEAKE, VA 23322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | — | $14K | 48.33% |
| VINCE THOMAS CALLAHAN3 | 6804 ATLANTIC AVE VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.65% |
| BRIAN WINFIELD3 | 397 LITTLE NECK ROAD 3300 BLDG VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.48% |
| DANNY R. OSTER3 Filed as: DANNY R OSTER | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $363 | — | $363 | 2.31% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 161 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 520 | $81K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 296 | $16K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 368 | $69K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 368 | $69K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 161 | $1.2M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 368 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.