| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | INC. P.O. BOX 5407 RICHMOND, VA 23220 | HARTFORD LIFE AND ACCIDENT | $73K | $5K | $78K | 17.69% |
| APTA HEALTH3 Filed as: APTA HEALTH LLC | 11755 E. PEAKS VIEW AVENUE SUITE 250 ENGLEWOOD, CO 80111 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $111K | $111K | 30.54% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | P.O. BOX 5407 RICHMOND, VA 23220 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | $28K | $28K | 7.80% |
| TENEO HEALTH, LLC3 | 11755 E. PEAKVIEW AVE. SUITE 250 ENGLEWOOD, CO 80111 | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | — | -$29 | -$29 | -0.01% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SE | P.O. BOX 5407 RICHMOND, VA 23220 | DELTA DENTAL OF VIRGINIA | $11K | — | $11K | 7.00% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | SERVICES INC P.O. BOX 5407 RICHMOND, VA 232200407 | AMERITAS LIFE INSURANCE CORP | $3K | $118 | $3K | 10.41% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS LLC | 1800 W. GRACE STREET P O BOX 5407 RICHMOND, VA 23220 | GUARDIAN | $500 | — | $500 | 8.54% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 395 | $163K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 499 | $35K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 439 | $442K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 439 | $442K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 311 | $365K |
| Other | HARTFORD LIFE AND ACCIDENT | 439 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.