| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $10K | 12.00% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $12K | 17.00% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE SUITE A MIDLOTHIAN, VA 23113 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.71% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $867 | $5K | 12.00% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARDLIFE INSURANCE COMPANY | $5K | $712 | $6K | 17.00% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $314 | $314 | 2.00% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $206 | $1K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 CONTRACT ADMINISTRATOR | Participant communication; Float revenue; Other insurance fees and expenses; Claims processing; Contract Administrator; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services Service code 10 | — | $171K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $31K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 CONTRACT ADMINISTRATOR | Contract Administrator; Accounting (including auditing); Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other insurance fees and expenses; Insurance services; Claims processing Service code 10 | — | $19K |
| MATRIX ABSENCE MANAGEMENT, INC. EIN 77-0493584 NONE | Claims processing Service code 12 | — | $11K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 CONTRACT ADMINISTRATOR | Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other insurance fees and expenses; Insurance services; Claims processing; Participant communication Service code 10 | — | $10K |
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 | 767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 768 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 989 | $68K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 740 | $198K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 629 | $87K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 740 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 989 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.