| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY GROUP BENEFITS INC3 | 1816 BATTEN HOLLOW ROAD VIENNA, VA 22182 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 2.40% |
| SYNERGY SOLUTIONS GROUP OF VIRGINIA3 | 1503 SANTA ROSA ROAD ROOM 107 RICHMOND, VA 23229 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 1.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 0.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH RD STE 300 CHARLOTTE, NC 28211 | VISION SERVICE PLAN | $2K | — | $2K | 1.91% |
| SYNERGY GROUP BENEFITS INC3 | 1816 BATTEN HOLLOW ROAD VIENNA, VA 22182 | VISION SERVICE PLAN | $2K | — | $2K | 1.76% |
| EMPLOYEE NAVIGATOR, LLC5 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | — | $72 | $72 | 0.07% |
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 | 617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,038 | $880K |
| Vision | VISION SERVICE PLAN | 419 | $99K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,038 | $880K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,038 | $880K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,038 | $880K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,038 | $880K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.