| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA BENEFITS CONSULTING GR | PO BOX 31658 RICHMOND, VA 23294 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 8.38% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | ANTHEM BLUE CROSS BLUE SHIELD | $10K | $4K | $14K | 21.54% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 896620 CHARLOTTE, NC 28289 | ANTHEM BLUE CROSS BLUE SHIELD | $3 | $0 | $3 | 0.00% |
| SIMA BENEFITS CONSULTING GROUP3 Filed as: SIMA FINANCIAL GROUP | 6802 PARAGON PL RICHMOND, VA 23230 | EYE MED | $1K | $0 | $1K | 8.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 2108 W LABRUNUM AVE #300 RICHMOND, VA 23227 | EYE MED | $69 | $0 | $69 | 0.54% |
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 | 161 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 127 | $63K |
| Vision | EYE MED | 201 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $107K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $107K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $107K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.