| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF GREENE3 | 128 CHARLTON COURT BLUFF CITY, TN 37618 | GERBER LIFE | $57K | — | $57K | 28.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF VA DBA CSE AGENCY | PO BOX 11388 ABINGDON, VA 24210 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 9.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF VA DBA CSE AGENCY | 263 WEST MAIN STREET ABINGDON, VA 24210 | DEARBORN NATIONAL | $372 | — | $372 | 1.46% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC | 0 | $0 |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 66 | $34K |
| Life insurance | DEARBORN NATIONAL | 138 | $25K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GERBER LIFE | 120 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.