| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEE INSURANCE SERVICES INC3 Filed as: LEE INSURANCE SERVICES INC. | 510 LOCUST AVE CHARLOTTESVILLE, VA 22902 | SENTARA HEALTH INSURANCE COMPANY | $39K | — | $39K | 2.34% |
| LEE INSURANCE SERVICES INC3 Filed as: LEE INSURANCE SERVICES INC. | 510 LOCUST AVE CHARLOTTESVILLE, VA 22902 | SENTARA HEALTH INSURANCE COMPANY | $21K | — | $21K | 2.85% |
| INDACO RISK ADVISORS3 | 510 LOCUST AVE CHARLOTTESVILLE, VA 22902 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 9.12% |
| INDACO RISK ADVISORS3 | 510 LOCUST AVE CHARLOTTESVILLE, VA 22902 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 3.18% |
| INDACO RISK ADVISORS3 | 510 LOCUST AVE CHARLOTTESVILLE, VA 22902 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | — | $1K | 3.17% |
| INDACO RISK ADVISORS3 | 510 LOCUST AVE CHARLOTTESVILLE, VA 22902 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | — | $2K | 7.47% |
| INDACO RISK ADVISORS3 | 510 LOCUST AVE CHARLOTTESVILLE, VA 22902 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $352 | — | $352 | 3.17% |
| INDACO RISK ADVISORS3 | 510 LOCUST AVE CHARLOTTESVILLE, VA 22902 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $136 | — | $136 | 3.17% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SENTARA HEALTH INSURANCE COMPANY | 191 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 445 | $236K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 445 | $236K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $4K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $49K |
| Other(3 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.