| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 16.87% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | PO BOX 5407 RICHMOND, VA 23220 | AMERITAS LIFE INSURANCE CORP. | $8K | $650 | $9K | 7.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | INTEGRUM ADVISORS, PO BOX 5407 RICHMOND, VA 232200407 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 3.05% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MD LLC DBA RALEY WATT | 22934 THREE NOTCH ROAD, STE B CALIFORNIA, MD 20619 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $764 | $0 | $764 | 1.58% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 36.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MD DBA RALEY WATT LLC | 22934 THREE NOTCH ROAD, STE B CALIFORNIA, MD 20619 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $343 | $0 | $343 | 12.59% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $648 | $0 | $648 | 29.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MD DBA RALEY WATT LLC | 22934 THREE NOTCH ROAD, STE B CALIFORNIA, MD 20619 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $243 | $0 | $243 | 11.24% |
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 | 556 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 556 | $118K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 556 | $118K |
| Life insurance(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 191 | $205K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $157K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $157K |
| Other(4 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 191 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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.