| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4323 COX ROAD GLEN ALLEN, VA 23060 | BIND BENEFITS, INC. DBA SUREST | — | $37K | $37K | 2.80% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENFEITS INC | 4323 COX ROAD GLEN ALLEN, VA 23060 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $9K | $17K | 4.12% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC. | 4900 COX ROAD SUITE 170 GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX ROAD SUITE 170 GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX RD SUITE 170 GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX RD SUITE 170 GLEN ALLEN, VA 23060 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $769 | — | $769 | 15.00% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BIND BENEFITS, INC. DBA SUREST | 233 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $414K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 233 | $414K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $43K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $39K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.