| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 6802 PARAGON PLACE, STE. 300 RICHMOND, VA 23230 | SENTARA HEALTH PLAN | $16K | — | $16K | 6.64% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 277 BENDIX RD. #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $4K | — | $4K | 1.74% |
| INTEGRUM ADVISORS3 | 1800 WEST GRACE ST. RICHMOND, VA 23220 | SENTARA HEALTH PLAN | $949 | — | $949 | 0.41% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 6802 PARAGON PLACE STE. 300 RICHMOND, VA 23230 | SENTARA HEALTH PLAN | $3K | — | $3K | 1.97% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 277 BENDIX RD., #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $2K | — | $2K | 1.71% |
| INTEGRUM ADVISORS3 | 1800 W. GRACE ST. RICHMOND, VA 23220 | SENTARA HEALTH PLAN | $2K | — | $2K | 1.42% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 6802 PARAGON PLACE, STE. 300 RICHMOND, VA 23230 | SENTARA HEALTH PLAN | $7K | — | $7K | 5.46% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 277 BENDIX RD., #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $4K | — | $4K | 2.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $17K | $42K | 36.72% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $232 | $2K | 1.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $626 | $5K | 9.55% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $861 | — | $861 | 1.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 6802 PARAGON PLACE, STE. 300 RICHMOND, VA 23230 | SHIC PPO | $566 | — | $566 | 2.11% |
| FRIDEN AGENCY INC3 Filed as: THE FRIDEN AGENCY | 277 BENDIX RD., #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SHIC PPO | $462 | — | $462 | 1.72% |
| INTEGRUM ADVISORS3 | 1800 W. GRACE ST. RICHMOND, VA 23220 | SHIC PPO | $242 | — | $242 | 0.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $734 | $109 | $843 | 9.47% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $156 | — | $156 | 1.75% |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | SENTARA HEALTH PLAN | 47 | $656K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $52K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 75 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $116K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $116K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $116K |
| Prescription drug(2 contracts, 2 carriers) | SENTARA HEALTH PLAN | 47 | $368K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
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.