| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VA AUTOMOBILE DLRS SVCS3 Filed as: VA AUTOMOBILE DEALERS | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $51K | $0 | $51K | 23.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 7.57% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SVCS | P.O. BOX 5407 RICHMOND, VA 232200407 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.07% |
| ELITE ENROLLMENT SERVICES LLC3 Filed as: ELITE ENROLLMENT SERVICES | PO BOX 5407 RICHMOND, VA 23220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.86% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.06% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC. | 1925 CUBA LN HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $335 | $0 | $335 | 1.02% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $76 | $0 | $76 | 0.23% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | $0 | $42 | 0.13% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.09% |
| MRM & ASSOCS OF AMERICA LTD3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.09% |
| ELITE ENROLLMENT SERVICES LLC3 Filed as: ELITE ENROLLMENT SVCS | PO BOX 5407 RICHMOND, VA 23220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.29% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.81% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC | 1925 CUBA LN HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | $0 | $247 | 0.95% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | $0 | $97 | 0.37% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | $0 | $36 | 0.14% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.13% |
| MRM & ASSOCS OF AMERICA LTD3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34 | $0 | $34 | 0.13% |
| ELITE ENROLLMENT SERVICES LLC3 Filed as: ELITE ENROLLMENT SVCS | PO BOX 5407 RICHMOND, VA 23220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.38% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $748 | $0 | $748 | 3.53% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC | 1925 CUBA LN HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $393 | $0 | $393 | 1.86% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | $0 | $119 | 0.56% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE STE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.29% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.19% |
| MRM & ASSOCS OF AMERICA LTD3 | 320 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.19% |
| GILSBAR, LLC3 | PO BOX 998 COVINGTON, LA 70434 | NEW YORK LIFE | $0 | $5K | $5K | 29.85% |
| NEWPORT GROUP3 Filed as: NEWPORT TRUST COMPANY | 1350 TREAT BLVD SUITE 300 WALNUT CREEK, CA 94597 | NEW YORK LIFE | $4K | $0 | $4K | 28.66% |
| ELITE ENROLLMENT SERVICES LLC3 Filed as: ELITE ENROLLMENT SVCS | PO BOX 5407 RICHMOND, VA 23220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.62% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $918 | $0 | $918 | 7.19% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 585 | $186K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 585 | $186K |
| Life insurance(4 contracts, 4 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 585 | $428K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 165 | $214K |
| Other(4 contracts, 2 carriers) | LEGAL RESOURCES | 161 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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.