| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. LEESBURG, VA 20176 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 2.29% |
| THE FINANCIAL GROUP OF VIRGINIA3 Filed as: FINANCIAL GROUP OF VIRGINIA | 100 E. SHORE DR., STE. 300 GLEN ALLEN, VA 23059 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | DELTA DENTAL OF VIRGINIA | $9K | — | $9K | 7.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | VISION SERVICE PLAN | $1K | — | $1K | 5.64% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $81 | — | $81 | 0.43% |
| THE FINANCIAL GROUP OF VIRGINIA3 Filed as: FINANCIAL GROUP OF VIRGINIA | 100 E. SHORE DR., STE. 300 GLEN ALLEN, VA 23059 | UNUM INSURANCE COMPANY | $2K | — | $2K | 15.02% |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $1.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 315 | $132K |
| Vision | VISION SERVICE PLAN | 114 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $160K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $160K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $160K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.