| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D&S LIFE AGENCY INC3 Filed as: D&S LIFE AGENCY, INC. | PO BOX 926 WIRTZ, VA 24184 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 4.95% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY INC | PO BOX 926 WIRTZ, VA 24184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.82% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY INC | PO BOX 926 WIRTZ, VA 24184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.92% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY INC | PO BOX 926 WIRTZ, VA 24184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.91% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY INC | PO BOX 926 WIRTZ, VA 24184 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.88% |
| D&S LIFE AGENCY INSURANCE3 Filed as: D & S LIFE AGENCY INSURANCE | 274 WESTLAKE ROAD HARDY, VA 24101 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.65% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 266 | $56K |
| Vision | HUMANA INSURANCE COMPANY | 157 | $21K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $40K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 198 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.