| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BESKIN-DIVERS INS GROUP3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $7K | $0 | $7K | 5.61% |
| BESKIN-DIVERS INS GROUP3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $7K | $0 | $7K | 7.86% |
| BESKIN-DIVERS INS GROUP3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $3K | $0 | $3K | 4.55% |
| BESKIN-DIVERS INS GROUP3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | OHIC PPO | $1K | $0 | $1K | 2.49% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE GROUP INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA COMPANIES, INC. | $2K | $169 | $2K | 6.57% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE GROUP | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 9.33% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE AGENCY, INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $951 | $0 | $951 | 6.10% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $115 | $0 | $115 | 0.74% |
| BESKIN-DIVERS INS GROUP3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | MDLIVE | $874 | $0 | $874 | 16.67% |
| MORGAN WHITE LIMITED3 | PO BX 14067 JACKSON, MS 39236 | MDLIVE | $655 | $0 | $655 | 12.49% |
| RICHARD J KRESINSKE3 Filed as: RICHARD HERZBERG | 508 WEST HOLLY ROAD VIRGINIA BEACH, VA 23451 | MDLIVE | $437 | $0 | $437 | 8.33% |
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 | 85 | 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) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 25 | $336K |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 89 | $33K |
| Vision(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 64 | $100K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $26K |
| Prescription drug(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 25 | $336K |
| Stop-loss / reinsurancereinsurance(2 contracts) | OPTIMA HEALTH PLAN | 25 | $199K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 254 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.