| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PULLEY | 1080 LASKIN RD STE 101 VIRGINIA BEACH, VA 234516363 | OPTIMA HEALTH | $10K | — | $10K | 1.53% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 15441 | 397 LITTLE NECK RD BUILDING 108 VIRGNIA BEACH, VA 234525765 | OPTIMA HEALTH | $3K | — | $3K | 0.51% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 26613 | 397 LITTLE NECK ROAD 3300 BLDG 108 VIRGONIA BEACH, VA 234525765 | OPTIMA HEALTH PLAN VAN 4000 | $6K | — | $6K | 1.56% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 15441 | 397 LITTLE NECK ROAD 3300 BLDG 108 VIRGINIA BEACH, VA 234525765 | OPTIMA HEALTH PLAN VAN 4000 | $2K | — | $2K | 0.52% |
| PULLEY | 1080 LASKIN RD STE 1010 VIRGINIA BEACH, VA 234516363 | OHIC PPO- 60713 | $3K | — | $3K | 1.93% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 15441 | 397 LITTLE NECK ROAD 3300 BLDG 108 VIRGINIA BEACH, VA 234525765 | OHIC PPO- 60713 | $1K | — | $1K | 0.64% |
| RAGAN PULLEY3 | 1080 LASKIN ROAD, STE 101 VIRGINIA BEACH, VA 234516363 | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL) | $5K | — | $5K | 4.81% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD VIRGINIA BEACH, VA 234525765 | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL) | $2K | — | $2K | 1.60% |
| PULLEY | 1080 LASKIN RD STE 101 VIRGINIA BEACH, VA 234516363 | PPO OHIC PPO MEDICAL/HOSPITALIZATION | $2K | — | $2K | 2.22% |
| TFA BENEFITS Filed as: TFA BENEFITS - BROKER 15441 | 397 LITTLE NECK RD 3300 BUILDING 108 VIRGINIA BEACH, VA 234525765 | PPO OHIC PPO MEDICAL/HOSPITALIZATION | $611 | — | $611 | 0.74% |
| RAGAN PULLEY Filed as: RAGAN B. PULLEY, JR | 1080 LASKIN ROAD, SUITE 101 VIRGINIA BEACH, VA 23451 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.65% |
| 60713OOA - NONE | — | OHIC OOA IND 60713 | — | — | $0 | 0.00% |
| 6079COBRA - NONE | — | OHIC OOA IND 6079 | — | — | $0 | 0.00% |
| JAY E. BLACK Filed as: JAY E BLACK | 1400 MIDHURST CT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY | $931 | — | $931 | 5.02% |
| RAGAN PULLEY Filed as: RAGAN B PULLEY, JR | 1080 LASKIN RD STE 101 VIRGINIA BEACH, VA 23451 | UNUM LIFE INSURANCE COMPANY | $906 | — | $906 | 4.88% |
| SONIA A VIDAL-AWBREY | APT 113 2665 PROSPERITY AVE FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY | $582 | — | $582 | 3.14% |
| ANN MARIE BENT | 4812 WALTONSHIRE CIRCLE OLNEY, MD 20832 | UNUM LIFE INSURANCE COMPANY | $582 | — | $582 | 3.14% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | OPTIMA HEALTH | 186 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY (DENTAL) | 349 | $110K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $76K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $76K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 128 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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."
No prospect flags tripped on this filing.