| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OPTIMA HEALTH PLAN | $8K | $0 | $8K | 4.77% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OPTIMA HEALTH PLAN | $4K | $0 | $4K | 2.50% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 5.00% |
| LLOYD POLMATEER3 Filed as: LLOYD H. POLMASTER | 7101 WISCONSIN AVENUE BETHSDA, MD 20814 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.05% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OHIC PPO | $747 | $0 | $747 | 2.03% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OHIC PPO | $358 | $0 | $358 | 0.97% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS LLC | PO BOX 5407 RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | $0 | $2K | 9.70% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LIFFLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 26.81% |
| INNOVATIVE INSURANCE GROUP LLC3 | 2670 ELECTRIC ROAD ROANOKE, VA 24018 | ANTHEM LIFE INSURANCE COMPANY | $366 | $74 | $440 | 4.88% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OPTIMA ADVANTAGE POS M/C | 52 | $490K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $38K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 109 | $30K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 20 | $21K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 20 | $21K |
| Prescription drug(3 contracts, 3 carriers) | OPTIMA ADVANTAGE POS M/C | 52 | $469K |
| Other(5 contracts, 5 carriers) | OPTIMA ADVANTAGE POS M/C | 109 | $499K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.