| 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 (OPTIMA HEALTH) | $3K | — | $3K | 1.00% |
| THE INSURANCE GROUP3 Filed as: INSURANCE SERVICES | 116 RESERVOIR STREET HARRISONBURG, VA 22801 | SENTARA HEALTH PLAN INC (OPTIMA HEALTH) | $3K | — | $3K | 1.00% |
| 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 | $7K | — | $7K | 9.92% |
| L3 ADVISORY, LLC3 Filed as: L3 ADVISORY LLC | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50 | — | $50 | 0.07% |
| 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% |
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 | 81 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SENTARA HEALTH PLAN INC (OPTIMA HEALTH) | 63 | $632K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $71K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $71K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $71K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $71K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $71K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.