| 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 RD GLEN ALLEN, VA 23060 | SECURIAN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | SECURIAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 6.00% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | MARSH MCLENNAN 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.25% |
| VBA BENEFITS CORPORATION3 | 4490 COX RD GLEN ALLEN, VA 23060 | SECURIAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | SECURIAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 6.00% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | A MARSH MCLENNAN 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.25% |
| VBA BENEFITS CORPORATION3 | 4490 COX ROAD GLEN ALLEN, VA 23060 | EXPRESS SCRIPTS, INC. | $3K | $0 | $3K | 2.11% |
| VBA BENEFITS CORPORATION3 | 4490 COX RD GLEN ALLEN, VA 23060 | SECURIAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 14.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH ROAD SUITE 600 RALEIGH, NC 27612 | SECURIAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.00% |
| TRION GROUP, INC.3 Filed as: TRION GROUP | A MARSH MCLENNAN 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | SECURIAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.25% |
| VBA BENEFITS CORPORATION3 | 4490 COX RD GLEN ALLEN, VA 230603325 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 5.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $908 | $0 | $908 | 14.99% |
| VIRGINIA BANKERS ASSOC3 | 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $640 | $0 | $640 | 15.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $601 | $0 | $601 | 15.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $515 | $0 | $515 | 14.70% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $421 | $0 | $421 | 15.00% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $308 | $0 | $308 | 12.46% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $154 | $0 | $154 | 15.02% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $79 | $0 | $79 | 15.08% |
| VBA BENEFITS CORPORATION3 Filed as: VBA BENEFIT CORPORATION | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66 | $0 | $66 | 15.03% |
| VBA BENEFITS CORPORATION3 | VIRGINIA BANKERS ASSOC 4490 COX RD GLEN ALLEN, VA 230603325 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 NONE | Other fees Service code 99 | — | $33K |
| 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 | 5,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 143 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. | 57 | $258K |
| Vision | VISION SERVICE PLAN | 3,421 | $536K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 5,666 | $1.9M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,795 | $343K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,030 | $1.2M |
| Prescription drug | EXPRESS SCRIPTS, INC. | 55 | $156K |
| Other(17 contracts, 3 carriers) | SECURIAN LIFE INSURANCE COMPANY | 1,920 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,666 | — |
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.