| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS ROAD NE STE 301 LEESBURG, VA 20176 | SENTARA HEALTH PLANS INC | $15K | — | $15K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 1800 W. GRACE STREET PO BOX 5407 RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $22K | $73K | 39.66% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVENUE NORTH SUITE 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.00% |
| MATTEW E VAHUE3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS ROAD NE STE 301 LEESBURG, VA 20176 | SENTARA HEALTH PLANS INC | $4K | — | $4K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 540 FORT EVANS ROAD STE 304 LEESBURG, VA 20176 | AMERITAS LIFE INSURANCE CORP. | $6K | — | $6K | 10.00% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3-COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | $1K | $3K | — |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 85 | $57K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 85 | $57K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $185K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $185K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 80 | $185K |
| Other(3 contracts, 2 carriers) | SENTARA HEALTH PLANS INC | 85 | $824K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.