| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD F. KIEFNER3 Filed as: RICHARD KEIFNER, JR. | 1356 WILLOW WOOD DRIVE NORFOLK, VA 23509 | OPTIMA HEALTH | $18K | — | $18K | 2.23% |
| RICHARD F. KIEFNER JR. CLU3 Filed as: RICHARD F. KIEFNER, JR. | 1356 WILLOW WOOD DRIVE NORFOLK, VA 23509 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 4.98% |
| RICHARD F. KIEFNER3 Filed as: RICHARD KEIFNER, JR. | 1356 WILLOW WOOD DRIVE NORFOLK, VA 23509 | OPTIMA HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| RICHARD F. KIEFNER3 | 300 EAST MAIN STREET, SUITE 1170 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 24.78% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH | 184 | $864K |
| Dental | DELTA DENTAL OF VIRGINIA | 207 | $51K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 151 | $19K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 151 | $19K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA HEALTH | 184 | $864K |
| Other(3 contracts, 3 carriers) | OPTIMA HEALTH | 184 | $883K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.