| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 1800 W. GRACE ST. RICHMOND, VA 23220 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 9.54% |
| INTEGRUM ADVISORS3 | 6802 PARAGON PL., STE. 500 RICHMOND, VA 23230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 1800 W GRACE ST RICHMOND, VA 23220 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 17.25% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | 1800 W GRACE ST RICHMOND, VA 23220 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $61 | — | $61 | 0.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 1800 W. GRACE ST. RICHMOND, VA 23220 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $3K | $16K | 19.98% |
| FFG WDC LLC3 | 7101 WISCONSIN AVE., STE. 1200 BETHESDA, MD 20814 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | — | $56 | 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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 101 | $272K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $78K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $78K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $78K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $136K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 56 | $136K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 182 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.