| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 12.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $758 | — | $758 | 2.64% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE. A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $292 | $292 | 1.02% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $754 | $5K | 23.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.30% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE. A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $204 | $204 | 0.92% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $726 | $4K | 32.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $516 | $65 | $581 | 4.57% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE. A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $116 | $116 | 0.91% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $529 | $353 | $882 | 12.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | — | $201 | 2.75% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE. A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $71 | $71 | 0.97% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $374 | $133 | $507 | 10.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 1800 W GRACE ST. RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107 | — | $107 | 2.22% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE. A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $36 | $36 | 0.75% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $275 | $1K | 31.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $269 | $23 | $292 | 6.22% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE. A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $44 | $44 | 0.94% |
| INTEGRUM ADVISORS4 | PO BOX 5407 RICHMOND, VA 23220 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $119 | — | $119 | 16.81% |
| PEAK PERFORMANCE GROUP LLC4 | 7501 BOULDER VIEW DR., STE. 220 NORTH CHESTERFIELD, VA 23225 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $58 | — | $58 | 8.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 THIRD PARTY ADMINISTATOR | Contract Administrator; Claims processing Service code 12 | — | $30K |
| INTEGRUM ADVISORS LLC EIN 85-1336159 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $28K |
| MAGELLAN RX MANAGEMENT INC. EIN 46-3708039 RX ADMINISTRATOR | Claims processing; Insurance services; Contract Administrator Service code 12 | — | $5K |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $29K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $22K |
| Stop-loss / reinsurancereinsurance | COMMERCIAL GROUP INTERMEDIARIES | 104 | $143K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.