| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST NATIONAL BROKERAGE3 | 5311 PATTERSON AVE RICHMOND, VA 23226 | OPTIMA HEALTH | $6K | — | $6K | 2.00% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS INC. | PO BOX 6009 ASHLAND, VA 23005 | HEALTHKEEPERS INC. | $12K | — | $12K | 4.81% |
| FIRST NATIONAL BROKERAGE3 | 5311 PATTERSON AVE RICHMOND, VA 232262041 | OPTIMA HEALTH PLAN | $1K | — | $1K | 2.00% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OPTIMA HEALTH | 60 | $766K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 60 | — |
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.