| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OPTIMA HEALTH PLAN | $12K | $0 | $12K | 3.97% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OHIC PPO | $5K | $0 | $5K | 2.67% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | 1800 WEST GRACE STREET RICHMOND, VA 23220 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 24.73% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | AMERITAS LIFE INSURANCE CORPORATION | $4K | $230 | $4K | 10.60% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | PO BOX 5407 RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 22.95% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | HUMANA INSURANCE COMPANY | $485 | $0 | $485 | 9.96% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 76 | $483K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 129 | $38K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORPORATION | 129 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 99 | $41K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 99 | $41K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 99 | $41K |
| Prescription drug(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 76 | $483K |
| Other(4 contracts, 4 carriers) | OPTIMA HEALTH PLAN | 99 | $540K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.