| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DRIVE SUITE 180 VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187K | $29K | $217K | 14.40% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DRIVE SUITE 180 VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $19K | $30K | 2.70% |
| SUMMIT GROUP OF VIRGINIA3 | 5029 CORPORATE WOODS DR. SUITE 180 VIRGINIA BEACH, VA 23462 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $3K | $37K | 23.87% |
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 | 5,397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 181 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 13,346 | $7.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.5M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 5,389 | $2.2M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 6,528 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,346 | — |
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.