| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $16K | — | $16K | 2.25% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.38% |
| THE FRIEDEN AGENCY INC Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD 3300 BLDG SUITE 200 VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 10.53% |
| BRENDA M MALANEY | 1304 RIVERFRONT COURT APT 202 VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 6.01% |
| TIFFANY GODLEY SMITH Filed as: TIFFANY G SMITH | 311 NAPLES COURT CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.77% |
| SHAWN STEPHENS | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.04% |
| GLENN E SMITH Filed as: GLENN E SMITH II | 311 NAPLES COURT CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.60% |
| DAVID N MORGAN | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $329 | — | $329 | 0.58% |
| DUANE A ADAMS | 11520 NUCKOLS ROAD SUITE 103 GLENN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.49% |
| LEIANN D WATKINS | 2325 SEA SHELL ROAD #304 VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $277 | — | $277 | 0.49% |
| KELLY E MCCLAIN | 672 S HEIGHTS DRIVE CROWLEY, TX 76036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | — | $273 | 0.48% |
| ANDREA L DUHON | 309 LYNNHAVEN PARKWAY VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | — | $147 | 0.26% |
| AMELIA MORGAN | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | — | $131 | 0.23% |
| RUSSELL W TINNEY | 11520 NUCKOLS ROAD GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 0.16% |
| MARK D LUTHER | 804 MOOREFIELD PARK DRIVE SUITE 106 RICHMOND, VA 23236 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | OHIC PPO | $435 | — | $435 | 2.25% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN AND ASSOCIATES INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN, INC. | $1K | — | $1K | 7.74% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 154 | $709K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 221 | $95K |
| Vision | VISION SERVICE PLAN, INC. | 105 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 64 | $25K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 251 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.