| 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 | — | $8K | 3.56% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $3K | — | $3K | 1.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FOR EVANS ROAD NE, STE. 301 LEESBURG, VA 20176 | OPTIMA HEALTH PLAN | $687 | — | $687 | 0.32% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OPTIMA ADVANTAGE POS M/C | $4K | — | $4K | 2.04% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $3K | — | $3K | 1.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FOR EVANS ROAD NE, STE. 301 LEESBURG, VA 20176 | OPTIMA ADVANTAGE POS M/C | $323 | — | $323 | 0.18% |
| INTEGRUM ADVISORS3 | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OPTIMA HEALTH | $5K | — | $5K | 3.41% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH | $2K | — | $2K | 1.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FOR EVANS ROAD NE, STE. 301 LEESBURG, VA 20176 | OPTIMA HEALTH | $404 | — | $404 | 0.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $538 | $11K | 14.12% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | OHIC PPO | $768 | — | $768 | 2.80% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 227 BENDIX ROAD #500 VIRGINIA BEACH, VA 23452 | OHIC PPO | $421 | — | $421 | 1.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FOR EVANS ROAD NE, STE. 301 LEESBURG, VA 20176 | OHIC PPO | $61 | — | $61 | 0.22% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OPTIMA HEALTH PLAN | 86 | $558K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $75K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $75K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $75K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $75K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $75K |
| Prescription drug(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 86 | $425K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.