| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES, INC. | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | TRUSTMARK LIFE INSURANCE COMPANY | $31K | — | $31K | 18.00% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES, INC. | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 6.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 3716 NORFOLK, VA 23514 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | $768 | $8K | 16.64% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $35 | $35 | 0.07% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES, INC. | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $762 | — | $762 | 6.79% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $31 | — | $31 | 0.28% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRUSTMARK LIFE INSURANCE COMPANY | 71 | $172K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 164 | $51K |
| Vision | VISION SERVICE PLAN | 70 | $11K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 85 | $47K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 85 | $47K |
| Prescription drug | TRUSTMARK LIFE INSURANCE COMPANY | 71 | $172K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 150 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.