| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDSEY BUSINESS GROUP, LLC3 Filed as: LINDSEY BUSINESS GROUP | 5180 PARKSTONE DRIVE, SUITE 240 CHANTILLY, VA 20151 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 4.76% |
| LINDSEY BUSINESS GROUP, LLC3 Filed as: LINDSEY BUSINESS GROUP | 5180 PARKSTONE DRIVE, SUITE 240 CHANTILLY, VA 20151 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.43% |
| LINDSEY BUSINESS GROUP, LLC3 Filed as: LINDSEY BUSINESS GROUP | 5180 PARKSTONE DRIVE, SUITE 240 CHANTILLY, VA 20151 | DELTA DENTAL OF VIRGINIA | $5K | $0 | $5K | 5.00% |
| LINDSEY BUSINESS GROUP, LLC3 Filed as: LINDSEY BUSINESS GROUP LLC | 5180 PARKSTONE DRIVE, SUITE 240 CHANTILLY, VA 20151 | VISION SERVICE PLAN | $869 | $0 | $869 | 6.51% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $920K |
| Dental | DELTA DENTAL OF VIRGINIA | 253 | $98K |
| Vision | VISION SERVICE PLAN | 87 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $136K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $136K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $136K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $920K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 240 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.