| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 230603325 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $160 | $11K | 0.50% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | EXPRESS SCRIPTS, INC. | $11K | — | $11K | 3.05% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $8K | — | $8K | 4.07% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 14.95% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 14.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUNTRUST BANK EIN 53-0116200 NONE | Named fiduciary; Custodial (other than securities) Service code 18 | — | $2K |
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 | 10,046 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 400 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 190 | $198K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 7,934 | $719K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 10,377 | $2.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,495 | $2.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,495 | $2.2M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 190 | $375K |
| Other(3 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 10,377 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,377 | — |
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.