| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 26613 | 397 LITTLE NECK ROAD 3300 BLDG 108 VIRGONIA BEACH, VA 234525765 | OPTIMA HEALTH PLAN | $10K | — | $10K | 1.61% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 15441 | 397 LITTLE NECK ROAD 3300 BLDG 108 VIRGINIA BEACH, VA 234525765 | OPTIMA HEALTH PLAN | $3K | — | $3K | 0.53% |
| PULLEY | 1080 LASKIN RD STE 101 VIRGINIA BEACH, VA 234516363 | OPTIMA HEALTH | $4K | — | $4K | 1.52% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 15441 | 397 LITTLE NECK RD BUILDING 108 VIRGNIA BEACH, VA 234525765 | OPTIMA HEALTH | $1K | — | $1K | 0.50% |
| PULLEY | 1080 LASKIN RD STE 101 VIRGINIA BEACH, VA 234516363 | OHIC PPO - 6079 | $3K | — | $3K | 1.63% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 15441 | 397 LITTLE NECK RD 3300 BUILDING 108 VIRGINIA BEACH, VA 234525765 | OHIC PPO - 6079 | $868 | — | $868 | 0.54% |
| PULLEY | 1080 LASKIN RD STE 101 VIRGINIA BEACH, VA 234516363 | OHIC PPO- 60713 | $2K | — | $2K | 1.69% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 15441 | 397 LITTLE NECK ROAD 3300 BLDG 108 VIRGINIA BEACH, VA 234525765 | OHIC PPO- 60713 | $553 | — | $553 | 0.56% |
| RAGAN PULLEY3 | 1080 LASKIN ROAD, STE 101 VIRGINIA BEACH, VA 234516363 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 7.65% |
| RAGAN PULLEY Filed as: RAGAN B. PULLEY, JR | 1080 LASKIN ROAD, SUITE 101 VIRGINIA BEACH, VA 23451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.04% |
| 2102 COBRA | — | OPTIMA HEALTH PLAN - COBRA | — | — | $0 | 0.00% |
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 | 546 | 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) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | OPTIMA HEALTH PLAN | 242 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $98K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $50K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $50K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 99 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.