| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 6802 PARAGON PLACE STE. 500 RICHMOND, VA 23230 | SENTARA ADVANTAGE POS M/C | $12K | — | $12K | 4.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 6802 PARAGON PLACE STE. 500 RICHMOND, VA 23230 | SENTARA ADVANTAGE POS M/C | $3K | — | $3K | 2.17% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 6802 PARAGON PLACE STE. 500 RICHMOND, VA 23230 | SENTARA AVANTAGE POS M/C | $4K | — | $4K | 3.41% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 1800 WEST GRACE ST. RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 13.17% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 15400 28TH AVENUE NORTH STE. 200 PLYMOUTH, MN 55447 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.75% |
| MATTHEW E VAHUE3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53 | — | $53 | 0.05% |
| FFG WDC LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 6802 PARAGON PLACE STE. 500 RICHMOND, VA 23230 | SHIC PPO | $1K | — | $1K | 2.90% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | SENTARA ADVANTAGE POS M/C | 69 | $592K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $106K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $106K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $106K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $106K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $106K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.