| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE ASSOCIATES INC3 Filed as: INSURANCE ASSOCIATES LLC | PO BOX 95000 PHILADELPHIA, PA 19195 | SENTARA HEALTH PLAN | $10K | $0 | $10K | 2.78% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 656 SHREWSBURY AVENUE, SUITE 200 TINTON FALLS, NJ 07701 | UNITED CONCORDIA COMPANIES, INC. | $2K | $0 | $2K | 6.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.73% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | VISION SERVICE PLAN | $821 | — | $821 | 5.35% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUES SOUTH, 4TH FLOOR ISELIN, NJ 08830 | VISION SERVICE PLAN | $357 | — | $357 | 2.33% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $193 | — | $193 | 1.26% |
| RODNEY GOLDBERG3 | WORLD INSURANCE ASSOCIATES, LLC 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | AMFIRST | $2K | — | $2K | 16.35% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $514 | — | $514 | 5.44% |
| RICHARD J KRESINSKE3 Filed as: RICHARD HERZBERG | 508 WEST HOLLY ROAD VIRGINIA BEACH, VA 23451 | AMFIRST | $358 | — | $358 | 3.79% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SENTARA HEALTH PLAN | 58 | $361K |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 105 | $37K |
| Vision | VISION SERVICE PLAN | 55 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $25K |
| Prescription drug | SENTARA HEALTH PLAN | 58 | $352K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 139 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.