| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $33K | — | $33K | 2.39% |
| VDA BENEFITS AND INSURANCE3 | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $17K | — | $17K | 16.91% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | — | $4K | 5.00% |
| VADA BENEFITS & INSURANCE3 Filed as: VADA BENEFITS AND INSURANCE | 1800 WEST GRACE STREET RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $170 | $4K | 20.80% |
| L3 ADVISORY, LLC3 | 7101 WISCONSIN AVENUE, SUITE 1200 BETHESDA, MD 20814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $160 | — | $160 | 0.76% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER, LLC | 1105 NORTH MARKET STREET, SUITE 130 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.02% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 259 | $1.4M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 163 | $87K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 259 | $101K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 259 | $101K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 259 | $101K |
| Prescription drug | HEALTHKEEPERS, INC. | 259 | $1.4M |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 259 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.