| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: LD&B INSURANCE AGENCY INC. | 205A S LIBERTY ST HARRISONBURG, VA 22801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.10% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE RIDGE INSURANCE SERVICES | 116 RESERVOIR STREET STE 200 HARRISONBURG, VA 22801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $861 | — | $861 | 2.15% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET ST STE 1300 WILMINGTON, DE 19801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 0.07% |
| L3 ADVISORY, LLC3 | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.03% |
| RK ASSET MANAGEMENT3 Filed as: ASSET MANAGEMENT GROUP, INC. | 3975 FAIR RIDGE DR STE 225N FAIRFAX, VA 22033 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.01% |
| LLOYD POLMATEER3 Filed as: LLOYD H POLMATEER | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: LD&B INSURANCE AGENCY INC. | 205A S LIBERTY ST HARRISONBURG, VA 22801 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $1K | — | $1K | 5.00% |
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 | 80 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 61 | $27K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $40K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $40K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $40K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.