| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OPTIMA HEALTH PLAN | $20K | $0 | $20K | 3.72% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 5.41% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $802 | $7K | 11.22% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $308 | $308 | 0.47% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 25.00% |
| UNKNOWN3 | UNKNOWN CHESAPEAKE, VA 23320 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $1K | $14K | 36.92% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | OHIC PPO | $848 | $0 | $848 | 3.13% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | PO BOX 5407 RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $6K | $0 | $6K | 29.26% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 119 | $721K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $66K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $66K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 181 | $42K |
| Short-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 181 | $80K |
| Long-term disability(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 181 | $80K |
| Prescription drug(3 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 119 | $721K |
| Other(3 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 181 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.