| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK ROAD 3300 BUILDING, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $45K | — | $45K | 2.26% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OPTIMA HEALTH PLAN | $19K | — | $19K | 2.70% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OPTIMA HEALTH PLAN | $14K | — | $14K | 2.68% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $54K | — | $54K | 24.54% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD 3300 BUILDING, STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $6K | — | $6K | 5.00% |
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BUILDING, STE 108 VIRGINIA BEACH, VA 23452 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $1K | $562 | $2K | 7.44% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 398 | $3.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 271 | $127K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 398 | $2.0M |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 338 | $220K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 338 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.