| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD NE STE 301 LEESBURG, VA 20176 | HARTFORD LIFE AND ACCIDENT | $56K | $14K | $70K | 28.77% |
| 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 | $11K | $2K | $14K | 7.66% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SVCS | P.O. BOX 5407 RICHMOND, VA 232200407 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD LLC DBA ELITE | 540 FORT EVANS RD SUITE 301 LEESBURG, VA 20176 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.41% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.09% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC. | 1925 CUBA LN HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $214 | $0 | $214 | 0.58% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | $0 | $58 | 0.16% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.08% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.06% |
| MRM & ASSOCS OF AMERICA LTD3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD LLC | 540 FORT EVANS ROAD NE STE 3301 LEESBURG, VA 20176 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.34% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.29% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC | 1925 CUBA LN HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | $0 | $134 | 0.44% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.18% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.07% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.06% |
| MRM & ASSOCS OF AMERICA LTD3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.06% |
| INTEGRUM ADVISORS3 | 540 FORT EVANS ROAD SUTE 301 LEESBURG, VA 20176 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 22.30% |
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 | 327 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 534 | $179K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 534 | $179K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 534 | $179K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 0 | $5K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 534 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.