| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE SUITE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 2.51% |
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE SUITE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $9K | 11.68% |
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE SUITE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 11.50% |
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE SUITE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $279 | $279 | 2.38% |
| LEAHY CONSULTING SERVICES3 | 10800 MIDLOTHIAN TURNPIKE SUITE 260 RICHMOND, VA 23235 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $834 | $313 | $1K | 11.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 NONE | Contract Administrator Service code 13 | 4818 STARKEY ROAD ROANOKE, VA 24018 | $30K |
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 | 1,431 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 685 | $171K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 587 | $80K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,441 | $741K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 685 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,441 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.