| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4905 DICKENS ROAD SUITE 200 RICHMOND, VA 23230 | UNITEDHEALTHCARE INSURANCE COMPANY | $997 | $25K | $26K | 3.23% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTO DEALERS SERVICES | 1800 WEST GRACE STREET RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $10K | $0 | $10K | 12.82% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $5K | 7.65% |
| TABB BROCKENBROUGH AND RAGLAND LLC3 | 4905 DICKENS ROAD SUITE 200 RICHMOND, VA 23230 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.93% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $819K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $68K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 336 | $147K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 60 | $79K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 60 | $79K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 204 | $819K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 336 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.