| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA ADVANTAGE POS M/C | $8K | $0 | $8K | 2.86% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | PO BOX 5407 VIRGINIA BEACH, VA 23466 | OPTIMA HEALTH PLAN | $9K | $0 | $9K | 3.72% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $768 | $5K | 8.51% |
| FFG WDC LLC3 | UNKNOWN HARRISBURG, VA 22801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $73 | $0 | $73 | 0.14% |
| LLOYD POLMATEER3 Filed as: LLOYD H. POLMATEER | UNKNOWN HARRISBURG, VA 22801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 0.04% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OHIC PPO | $1K | $0 | $1K | 2.82% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 16.56% |
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 | 111 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OPTIMA ADVANTAGE POS M/C | 66 | $566K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $54K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $54K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $72K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 20 | $18K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 20 | $18K |
| Prescription drug(3 contracts, 3 carriers) | OPTIMA ADVANTAGE POS M/C | 66 | $548K |
| Other(5 contracts, 5 carriers) | OPTIMA ADVANTAGE POS M/C | 111 | $620K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
No prospect flags tripped on this filing.