| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT FIDUCIARY GROUP, LLC3 Filed as: BENEFIT FIDUCIARY GROUP LLC | 7275 GLEN FOREST DRIVE STE 202 RICHMOND, VA 23226 | UNITED HEALTHCARE INSURANCE COMPANY | $767 | $45K | $46K | 2.47% |
| SPHERIENT ADVISORS LLC3 | 7275 GLENN FOREST DRIVE STE 202 RICHMOND, VA 23226 | UNITED HEALTHCARE INSURANCE COMPANY | $435 | $16K | $17K | 0.91% |
| SPHERIENT ADVISORS LLC3 | 7275 GLEN FOREST DRIVE STE 202 RICHMOND, VA 23226 | THE HARTFORD LIFE AND ACCIDENT | $21K | $9K | $30K | 17.59% |
| WEBTPA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | THE HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.14% |
| BENEFIT FIDUCIARY GROUP, LLC3 Filed as: BENEFIT FIDUCIARY GROUP LLC | 7275 GLEN FOREST DRIVE STE 202 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $7K | — | $7K | 6.73% |
| SPHERIENT ADVISORS LLC3 Filed as: SPHERIENT ADVISORS, LLC | 7275 GLEN FOREST DRIVE STE 202 RICHMOND, VA 23226 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 2.48% |
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 | 364 | 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) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 353 | $2.0M |
| Dental(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 364 | $275K |
| Vision | THE HARTFORD LIFE AND ACCIDENT | 224 | $171K |
| Life insurance | THE HARTFORD LIFE AND ACCIDENT | 224 | $171K |
| Short-term disability | THE HARTFORD LIFE AND ACCIDENT | 224 | $171K |
| Long-term disability | THE HARTFORD LIFE AND ACCIDENT | 224 | $171K |
| Other | THE HARTFORD LIFE AND ACCIDENT | 224 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.