| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK ROAD SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $38K | — | $38K | 2.81% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $47K | — | $47K | 25.42% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SE | PO BOX 5407 RICHMOND, VA 23220 | DELTA DENTAL OF VIRGINIA | $6K | — | $6K | 5.05% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALE | PO BOX 5407 RICHMOND, VA 23220 | OPTIMA HEALTH PLAN | $1K | — | $1K | 1.06% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALE | PO BOX 5407 RICHMOND, VA 23220 | OPTIMA HEALTH PLAN | $1K | — | $1K | 1.03% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 366 | $1.6M |
| Dental | DELTA DENTAL OF VIRGINIA | 440 | $122K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 326 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.