| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE BENEFIT SERVICES, INC. | 555 E. MAIN STREET, SUITE 800 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $19K | — | $19K | 2.00% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE BENEFIT SERVICES, INC. | 555 E. MAIN STREET, SUITE 800 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $12K | — | $12K | 2.94% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE BENEFIT SERVICES, INC. | 555 E. MAIN STREET, SUITE 800 NORFOLK, VA 23510 | OHIC PPO | $8K | — | $8K | 2.00% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE BENEFIT SERVICES, INC. | 555 E. MAIN STREET, SUITE 800 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $963 | — | $963 | 2.00% |
| GLANDON INSURANCE AGENCY INC3 Filed as: GLANDON INSURANCE AGENCY | P.O. BOX 1704 VIRGINIA BEACH, VA 234519704 | OPTIMA HEALTH PLAN | $386 | — | $386 | 0.92% |
| CAPSTONE BENEFIT GROUP INC3 Filed as: CAPSTONE BENEFIT SERVICES, INC. | 555 E. MAIN STREET, SUITE 800 NORFOLK, VA 23510 | OHIC PPO | $808 | — | $808 | 2.35% |
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 | 210 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 201 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.