| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY GROUP BENEFITS INC3 | 1816 BATTEN HOLLOW ROAD VIENNA, VA 22182 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $219K | $222K | 5.29% |
| SYNERGY GROUP BENEFITS INC3 Filed as: SYNERGY GROUP BENEFITS, INC. | 1816 BATTEN HOLLOW ROAD VIENNA, VA 22182 | DELTA DENTAL OF VIRGINIA | $17K | — | $17K | 4.82% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA LIFE INSURANCE COMPANY | $91K | — | $91K | 54.63% |
| ROBERT E HAYWARD3 | 1816 BATTEN HOLLOW ROAD VIENNA, VA 22182 | TRANSAMERICA LIFE INSURANCE COMPANY | $34K | — | $34K | 20.58% |
| WILLIAM JUDGE JR3 | 9609 GAYTON ROAD SUITE 200 RICHMOND, VA 23238 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 2.50% |
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 | 722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 1,109 | $4.2M |
| Dental | DELTA DENTAL OF VIRGINIA | 722 | $362K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,109 | $4.2M |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 180 | $166K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 180 | $166K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 1,109 | $4.2M |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 180 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,109 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.