| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| D&S LIFE AGENCY INC3 | 1414 FRANKLIN RD SW ROANOKE, VA 24016 | OPTIMA HEALTH PLAN | $26K | — | $26K | 2.01% |
| D&S LIFE AGENCY INC3 | PO BOX 629 ROANOKE, VA 24004 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 4.12% |
| D&S LIFE AGENCY INC3 Filed as: D&S LIFE AGENCY, INC | 1414 FRANKLIN ROAD ROANOKE, VA 24016 | OPTIMA HEALTH PLAN | $3K | — | $3K | 2.00% |
| D&S LIFE AGENCY INC3 Filed as: D & S LIFE AGENCY | PO BOX 629 ROANOKE, VA 24004 | THE HARTFORD | $10K | — | $10K | 10.79% |
| D&S LIFE AGENCY INC Filed as: D & S LIFE AGENCY, INC. | 1414 FRANKLIN RD, SW ROANOKE, VA 24016 | OPTIMA HEALTH PLAN | $2K | — | $2K | 2.00% |
| D&S LIFE AGENCY INC3 Filed as: D&S LIFE AGENCY | PO BOX 629 ROANOKE, VA 24004 | HUMANA | $3K | — | $3K | 11.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1166 AVE OF THE AMERICA'S NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $214 | — | $214 | 15.02% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | OPTIMA HEALTH PLAN | 240 | $1.4M |
| Dental | DELTA DENTAL OF VIRGINIA | 387 | $152K |
| Vision | HUMANA | 203 | $25K |
| Life insurance | THE HARTFORD | 252 | $94K |
| Short-term disability | THE HARTFORD | 252 | $94K |
| Long-term disability | THE HARTFORD | 252 | $94K |
| Other(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 261 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.