| 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 200 VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $206K | $18K | $223K | 12.43% |
| SUMMIT GROUP OF VIRGINIA3 Filed as: SUMMIT GROUP OF VIRGINIA LLP | 5029 CORPORATE WOODS DR SUITE 200 VIRGINIA BEACH, VA 23462 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129K | $17K | $146K | 8.61% |
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 | 5,516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 174 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE OF CALIFORNIA | 3,809 | $3.6M |
| Dental | DELTA DENTAL OF CALIFORNIA | 13,922 | $6.6M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,693 | $1.7M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,720 | $1.8M |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 1,660 | $1.7M |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,436 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,922 | — |
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.