| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT B EASTMAN3 Filed as: SCOTT B. EASTMAN | P.O. BOX 6009 ASHLAND, VA 23005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 4.85% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS INC. | P.O. BOX 6009 ASHLAND, VA 23005 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.42% |
| DAILYFEATS INC.3 | 101 TREMONT STREET 11TH FLOOR BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.99% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 4.89% |
| FAISON GROUP BENEFITS INC3 | 6424 NW 5TH WAY FORT LAUDERDALE, FL 33309 | HARTFORD LIFE AND ACCIDENT | $4K | $550 | $4K | 4.60% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS, INC. | 6424 NW 5TH WAY FORT LAUDERDALE, FL 33309 | UNION SECURITY INSURANCE COMPANY | $14K | $1K | $15K | 21.93% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 101 TREMONT STREET FLOOR 11 BOSTON, MA 02108 | UNION SECURITY INSURANCE COMPANY | — | $1K | $1K | 2.03% |
| FAISON GROUP BENEFITS INC3 | 6424 NW 5TH WAY FORT LAUDERDALE, FL 333096112 | HUMANA INSURANCE COMPANY | $2K | $102 | $2K | 9.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS, INC. EIN 54-1356687 ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $195K |
| ANTHEM HEALTH PLANS OF VIRGINIA INC EIN 54-0357120 ADMINISTRATOR | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Float revenue Service code 12 | — | $144K |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 511 | $124K |
| Vision | HUMANA INSURANCE COMPANY | 307 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,198 | $92K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 880 | $160K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 880 | $160K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,198 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.