| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANAGED BENEFITS, INC.3 | 4900 COX ROAD SUITE 170 GLEN ALLEN, VA 23060 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | — | $94K | $94K | 2.52% |
| MANAGED BENEFITS, INC.3 Filed as: MANAGED BENEFITS INC | 4900 COX RD STE 170 GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 16.04% |
| MANAGED BENEFITS, INC.3 | 4900 COX ROAD, SUITE 170 GLEN ALLEN, VA 23060 | DELTA DENTAL OF VIRGINIA | $11K | — | $11K | 7.00% |
| MANAGED BENEFITS, INC.3 | 4900 COX ROAD SUITE 170 GLEN ALLEN, VA 23060 | VISION SERVICE PLAN | $2K | — | $2K | 11.05% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 369 | $3.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 550 | $151K |
| Vision | VISION SERVICE PLAN | 158 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 244 | $200K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $200K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 244 | $200K |
| Other | HARTFORD LIFE AND ACCIDENT | 244 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 550 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.