| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VADA BENEFITS & INSURANCE3 | P.O. BOX 5407 RICHMOND, VA 23220 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $40K | $14K | $53K | 6.91% |
| EMPLOYEE BENEFITS CORP OF AMERICA3 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $18K | — | $18K | 2.40% |
| VIRGINIA AUTOMOBILE DEALERS SVCS. Filed as: VIRGINIA AUTOMOBILE DEALERS SRVCS | PO BOX 5407 RICHMOND, VA 23220 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 23.45% |
| WEBTPA EMPLOYER SERVICES LLC | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $745 | $745 | 0.92% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SRVCS | 1800 W. GRACE ST. RICHMOND, VA 232202105 | AMERITAS LIFE INSURANCE CORP. | — | $654 | $654 | 1.04% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 175 | $770K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 167 | $63K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 167 | $63K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 56 | $81K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 56 | $81K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 56 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.