| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES | 116 RESERVOIR STREET HARRISONBURG, VA 22801 | SENTARA HEALTH PLAN, INC. | — | $160K | $160K | 48.95% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES | 116 RESERVOIR STREET HARRISONBURG, VA 22801 | SENTARA HEALTH PLAN, INC. | — | — | $0 | 0.00% |
| 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 | $6K | $2K | $8K | 12.90% |
| L3 ADVISORY, LLC3 | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $100 | — | $100 | 0.16% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET ST STE 1300 WILMINGTON, DE 19801 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 0.08% |
| LLOYD POLMATEER3 Filed as: LLOYD H POLMATEER | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.01% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES | 116 RESERVOIR STREET HARRISONBURG, VA 22801 | SENTARA HEALTH PLAN, INC. | — | — | $0 | 0.00% |
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 | 84 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | SENTARA HEALTH PLAN, INC. | 66 | $598K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.