| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT GROUP OF VIRGINIA3 Filed as: SUMMIT GROUP OF VIRGINIA LLP | 5029 CORPORATE WOODS DR SUITE 180 VIRGINIA BEACH, VA 234624382 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $171K | $16K | $187K | 10.75% |
| SUMMIT GROUP OF VIRGINIA3 Filed as: SUMMIT GROUP OF VIRGINIA LLP | 5029 CORPORATE WOODS DR SUITE 180 VIRGINIA BEACH, VA 234624382 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $110K | $15K | $126K | 7.50% |
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 | 5,279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 171 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE OF CALIFORNIA | 3,786 | $3.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 13,448 | $6.4M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,411 | $1.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,427 | $1.7M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 1,472 | $1.1M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,241 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,448 | — |
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.