| 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 | $58K | $0 | $58K | 22.91% |
| 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 | 8.39% |
| 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 | $5K | $0 | $5K | 15.06% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.16% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC. | 1925 CUBA LN HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | $0 | $142 | 0.41% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | $0 | $38 | 0.11% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.06% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGSTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.04% |
| MRM & ASSOCS OF AMERICA LTD3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.04% |
| 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 | $6K | $0 | $6K | 19.21% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.20% |
| BENEFIT SPECIALISTS OF VA, INC.3 Filed as: BENEFIT SPECIALISTS OF VA INC | 1925 CUBA LN HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | $0 | $106 | 0.37% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.15% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVENUE SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
| MRM & ASSOCS OF AMERICA LTD3 | 32 OLD HICKORY PITTSBORO, NC 27312 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD | 540 FORT EVANS RD NE STE 301 LEESBURG, VA 20175 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.31% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.65% |
| BENEFIT SPECIALIST OF VA3 | 1925 CUBA LN HAYES, VA 23072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $199 | $0 | $199 | 0.99% |
| LAYNE FINANCIAL INC3 | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.31% |
| SANTA CRUZ CHARLOTTE R3 | 718 DUNBAR AVE STE 3A ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | $0 | $31 | 0.15% |
| LAWSON MICHELLE DAWN HYDE3 | PO BOX 443 LOVINGTON, VA 22949 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.10% |
| MRM & ASSOCIATES OF AMERICA LTD3 | 20 S KING ST LEESBURG, VA 20175 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | PO BOX 5407 RICHMOND, VA 23230 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $802 | $0 | $802 | 7.81% |
| DILIGENCE INSURANCE AGENCY INC3 | 813 DILIGENCE DR NEWPORT NEWS, VA 23606 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | $0 | $188 | 1.83% |
| INTEGRUM ADVISORS3 | 540 FORT EVANS ROAD SUTE 301 LEESBURG, VA 20176 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN INSURANCE OF VA EIN 54-2011471 BROKER | Insurance agents and brokers Service code 22 | — | $105K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $39K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $13K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $8K |
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 | 376 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $168K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $168K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 507 | $178K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 250 | $659K |
| Other(6 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 507 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.