| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.00% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | EXPRESS SCRIPTS, INC. | $6K | $0 | $6K | 2.23% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | $0 | $30K | 15.05% |
| VBA BENEFITS CORPORATION3 | 4490 COX RD GLEN ALLEN, VA 230603325 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 5.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 14.88% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $805 | $0 | $805 | 14.99% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $659 | $0 | $659 | 15.01% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | $0 | $488 | 15.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $378 | $0 | $378 | 14.99% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $317 | $0 | $317 | 15.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60 | $0 | $60 | 13.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUIST BANK EIN 56-1074313 NONE | Named fiduciary; Custodial (other than securities) Service code 18 | 214 NORTH TRYON STREET CHARLOTTE, NC 28202 | -$3K |
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 | 8,381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 81 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 111 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 132 | $159K |
| Vision | VISION SERVICE PLAN | 5,116 | $814K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 8,526 | $2.8M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,846 | $334K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,466 | $1.7M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 101 | $273K |
| Other(10 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,767 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,526 | — |
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."
No prospect flags tripped on this filing.