| 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 | $13K | $0 | $13K | 4.28% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVENUE, SUITE 200 TINTON FALLS, NJ 07701 | UNITED CONCORDIA COMPANIES, INC. | $1K | $28 | $1K | 3.17% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | UNKNOWN MCLEAN, VA 22102 | UNITED CONCORDIA COMPANIES, INC. | $1K | — | $1K | 2.91% |
| WORLD INSURANCE ASSOCIATES LLC3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.04% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUES SOUTH, 4TH FLOOR ISELIN, NJ 08830 | VISION SERVICE PLAN | $916 | — | $916 | 6.25% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $183 | — | $183 | 1.25% |
| RODNEY GOLDBERG3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | AMFIRST | $2K | — | $2K | 15.00% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $650 | — | $650 | 5.00% |
| RICHARD J KRESINSKE3 Filed as: RICHARD HERZBERG | 508 WEST HOLLY ROAD VIRGINIA BEACH, VA 23451 | AMFIRST | $418 | — | $418 | 3.21% |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SENTARA HEALTH PLAN | 51 | $323K |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 100 | $35K |
| Vision | VISION SERVICE PLAN | 55 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $25K |
| Prescription drug | SENTARA HEALTH PLAN | 51 | $310K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.