| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $65K | $4K | $69K | 5.01% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 Filed as: EMPLOYEE BENEFITS CORP. OF AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $43K | $0 | $43K | 3.12% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | $0 | $30K | 21.95% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.41% |
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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 332 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 370 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $136K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $136K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 332 | $1.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 222 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.