| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 S. MICHIGAN STREET, SUITE 1400 SOUTH BEND, IN 46601 | SENTARA HEALTH PLANS, INC. | $18K | — | $18K | 4.50% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 S. MICHIGAN STREET, SUITE 1400 SOUTH BEND, IN 46601 | SENTARA HEALTH PLANS, INC. | $15K | — | $15K | 4.50% |
| MID-STATE INSURANCE AGENCY INC3 Filed as: MID-STATE INSURANCE AGENCY, INC | PO BOX 3116 LYNCHBURG, VA 24503 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 7.16% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 S. MICHIGAN STREET, SUITE 1400 SOUTH BEND, IN 46601 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 6.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 3.03% |
| MID-STATE INSURANCE AGENCY INC3 Filed as: MID-STATE INSURANCE AGENCY, INC | 2525 RIVERMONT AVENUE LYNCHBURG, VA 24503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.52% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INSURANCE AGENCY INC. | 202 S. MICHIGAN STREET, SUITE 1400 SOUTH BEND, IN 46601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $241 | $2K | 7.23% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $690 | $690 | 2.16% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SENTARA HEALTH PLANS, INC. | 248 | $736K |
| Dental | DELTA DENTAL OF VIRGINIA | 441 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $32K |
| Prescription drug(2 contracts) | SENTARA HEALTH PLANS, INC. | 248 | $736K |
| Other(4 contracts, 3 carriers) | SENTARA HEALTH PLANS, INC. | 285 | $768K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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.